Salary, retirement and your next move
Turn the package into the number that reaches your bank, see when the money lasts, and what a switch would take.
Done here when you can say your take-home number out loud, and what a switch would cost you.
CTC to in-hand salary calculatorTake-home salary calculator
Type the CTC, get the monthly amount after PF, professional tax and income tax, under both tax regimes. Plus what a hike really changes.Type your pay, get what reaches your bank each pay period and each year, from your country's official tax tables or the rates on your payslip.
Work out my take-homeRetirement calculator: how much do you need, and will it last?
Pay, savings, loans and goals in any currency. Your chance of success from 1,000 market paths and 98 years of history, safe monthly spending, the earliest age to stop work and every year of cash flow.
Open onFull planFIRE: when can I stop?Corpus: how much do I need?Plan my moneyCareer roadmap generator
Your gap to any job, the job's tools first, US pay and outlook, and a week-by-week plan with free courses.
Open onRoadmapFind my skill gaps firstChange of fieldService to product companyBuild my roadmapThe number first, then the plan
- Know what actually reaches your bank. The take-home salary calculator turns the offer into the monthly amount after tax and deductions, from official tables for the countries it covers and your own rates anywhere else. Compare two offers on take-home, not on the headline.
- See how long the money lasts. The retirement calculator runs your pay, savings, loans and goals through many market paths and shows the chance the plan works, the safe monthly spend and the earliest age to stop. Two shortcuts: the FIRE calculator for "when can I stop working?" and the corpus calculator for "how much do I need?".
- Find the gap before you plan the move. The skills gap analysis compares your resume with the job you want and ranks what is missing by how often real posts ask for it.
- Turn the gap into a week-by-week plan. The career roadmap generator puts the must-haves first, with free courses and a practice task per step. Changing fields? The career change roadmap starts from what carries over; moving from a service company to a product company, the career switch roadmap covers the rounds and the timing.
Every calculator here works in your browser in any currency. None of them needs an account, and none of them gives financial advice; they do the arithmetic so you can decide.
How do you use salary and career tools to make a real decision?
These tools are not one step you finish. Come back to them at each offer, each raise and once a year. Used in this order, they turn a pile of numbers into a choice you can explain.
Start from take-home pay, not the gross figure
Gross pay is what the employer quotes. Net pay is what is left after income tax, social contributions, pension or retirement deductions and anything else taken out of your pay. Your rent, loans and savings come out of the net figure, so plan with that one. Check the calculator's result against a real payslip once, so you know your own deductions are in it.
Compare the whole package
When two offers sit side by side, put these in one table: monthly take-home, any bonus you are likely to get (not the maximum), employer retirement contributions, health cover and what it costs you, paid leave, travel time and costs, and how often pay is reviewed. The job offer comparison calculator puts the money side by side for two or three offers: salary, bonus, stock, take-home pay and pay per hour once the commute is counted.
Give the retirement plan honest inputs
A retirement result is only as good as the numbers you type. Use what you really spend, not what you hope to spend, and include loans and big goals like a home or school fees. Look at the chance the plan works, not just the single target number, and check how that chance moves if you save a little more each month or stop a few years later.
Plan a move with a cash cushion
A career change can mean a lower salary for a while, a course to pay for, or a gap between jobs. Before you resign, add up your monthly costs and keep enough saved to cover the months the move may take, on top of your usual emergency money. Then decide.
Turn the gap into weekly work
"Learn data skills" is a wish. "This week: one free course module and one practice task using it" is a plan. Run the skills gap against three or four real posts for the job you want, so you fix what employers keep asking for, not what one post happens to mention. Then let the roadmap order it, and tick off one step each week.
Money and career mistakes, and the better move
- Accepting a raise on the headline. A higher gross number can land in a higher tax band. Check the take-home change before you celebrate or decide.
- Pausing retirement savings during a switch. Even a short pause adds up over time. If you must pause, set the date you will restart.
- Learning skills no post asks for. Courses feel productive. Check each one against what real job posts in your target field ask for first.
- Changing field with no proof. Certificates help less than one finished project that shows the new skill. Put the practice tasks from your roadmap on your resume as projects.
- Treating a calculator as advice. These tools do the arithmetic. For tax rules that affect you personally, check the official source for your country or ask a qualified adviser.
When to come back to this step
Use the take-home calculator at every offer and every raise. Re-run the retirement plan once a year, or when your pay, family or debts change. Run the skills gap again each time you aim for a new role. When you are ready for that role, the loop starts again with your resume tools.
Back to the start
That is the last step. The free tools hub lists every step from the resume to the offer.
Lost? The interview readiness quiz asks eight questions and tells you which tool to open next.