About Us

We built the tool we
wished existed when we started working

SalaryToSavings.site is a free personal finance calculator platform built for Indian salaried employees — starting with government workers who found retirement planning surprisingly hard to calculate.

Why we exist

When the 8th Pay Commission was announced, millions of central government employees wanted to know one thing: what will my revised salary look like? The answer required understanding fitment factors, pay matrix levels, and DA projections — none of which are explained in plain language anywhere

The same problem exists for gratuity, pension, EPF, and leave encashment. Each benefit is governed by a different act, a different formula, and a different set of assumptions. Calculating them correctly means either hiring a consultant or spending hours cross-referencing government PDFs

We decided to do the hard work once — build calculators that embed the correct formulas, document every assumption, and give anyone a clear, honest estimate in under two minutes. No consultant required.

The name says it simply: everything that sits between your salary and your eventual savings — we want to make that visible

Our principles

What we stand for

🎯
Accuracy over speed
Every formula is sourced from official documents — CPC reports, Ministry of Finance circulars, and the Payment of Gratuity Act. We explain our assumptions openly.
🔓
Free, always
No paywalls. No 'premium plan' hiding the useful number. Every calculator on this site is free and will stay that way.
🔒
No data collected
You don't log in. We don't store your salary, years of service, or any calculation inputs. Numbers live in your browser and go nowhere.
🇮🇳
Built for India
Not adapted from a US retirement planner. Built ground-up for Indian pay structures, DA, HRA, NPS, EPF, and the unique complexity of government service rules.
Story so far

How we got here

1
2025 Idea

A government employee asked a simple question: 'How much gratuity will I get?' Three hours of searching later, they still didn't have a clear answer. That was the spark.

2
Early 2026 Launch

SalaryToSavings.site went live with the 8th Pay Commission Calculator, Gratuity Calculator, and Pension Calculator during the Commission's active consultation phase.

3
Mid 2026 Now

Six retirement tools live. EMI, tax, and investment calculators in active development. A growing community of government employees and HR professionals using the tools.

4
Late 2026 What's next

Home loan EMI, income tax regime comparison, SIP and FD calculators — expanding from retirement-focused to a full personal finance toolkit for every salaried Indian.

Our users

Who uses SalaryToSavings.site

Central government employees
State government employees
PSU staff
Railway and defence civilians
Government pensioners
HR and payroll professionals
Family members planning on behalf of retirees
Private sector employees (EPF & gratuity)
Financial advisors serving govt. clients

Questions or feedback?

We read every message. If a formula is wrong, a feature is missing, or you just want to say hello — reach out.

Get in Touch →