Tools & calculators
13 free tools for HR teams and founders in India — work out in-hand salary and gratuity, price group cover, benchmark what you spend on benefits, and check a policy before you sign it. No sign-up to see a result.
Salary & CTC
Work out what a package is really worth — before the offer letter goes out.
CTC Calculator
Convert CTC to monthly in-hand salary with PF, professional tax and income tax under both the new and old regimes.
Open tool →Salary Hike Calculator
Enter a current CTC and hike percentage to see the new CTC, the increment amount and the change in take-home. Works in both directions.
Open tool →Salary Structure Optimizer
Compare the old and new tax regimes and rebalance HRA, LTA, NPS and special allowance to reduce tax legally.
Open tool →Group cover & premium
Size the plan and price it before you talk to anyone.
Group Health Insurance Premium Calculator
Estimate the per-employee and total annual premium for a group mediclaim policy from team size, age mix and sum insured.
Open tool →GPA & Group Term Life Premium Calculator
Price group personal accident and group term life cover together, using CTC multiples and headcount.
Open tool →Build Your Group Plan
Assemble a plan step by step — sum insured, riders, OPD, wellness — and see how each choice moves the cost.
Open tool →Personal Insurance Calculator
For individuals: how much term life and health cover you need, based on income, dependants and liabilities.
Open tool →Benchmarking & scoring
See where your benefits actually stand against comparable Indian employers.
Employee Benefits Benchmark
Benchmark your benefits spend by industry, city and team size against thousands of Indian startups and SMEs.
Open tool →Group Health Policy Benchmark Scorecard
Score your existing group policy against market norms and get a scorecard of where it leads and where it lags.
Open tool →Cover Grader
Grade your group health plan out of 100 across coverage adequacy, cost efficiency, wellness/OPD and claims support.
Open tool →Employee Retention ROI Calculator
Compare what attrition costs you against the cost of group health cover, and see the payback.
Open tool →Compliance & readiness
Statutory maths and the questions to ask before you sign.
Gratuity Calculator
Calculate gratuity using the Payment of Gratuity Act 1972 formula (15/26), with eligibility and the ₹20,00,000 tax-exempt cap.
Open tool →Group Health Insurance Checklist
The 12 questions to ask before signing a group health policy — coverage, pricing, benefits and compliance.
Open tool →Want the number for your team, not an estimate?
Onsurity group health is a monthly subscription with cashless treatment at 10,000+ network hospitals, day-1 cover and bundled wellness. Tell us your team size and we'll come back with an exact per-head price.
Get a group health quote