Salary tax and loan EMI in one app
See what you actually keep.
Pick a country, enter your pay and get your take-home in seconds. Then plan any loan with a clear monthly EMI and a year-by-year breakdown.
Free to use. No sign-up needed.
Example screen. Your results depend on your country and income.
Two calculators, one simple app
Everything you need to understand your pay and plan your borrowing, without spreadsheets.
Take-home pay
Enter your yearly or monthly salary and see your net pay, total tax and effective tax rate.
Loan EMI
Get your monthly payment, total interest and the full amount you will repay, for any amount, rate and length.
Many countries
Search the country list and see amounts in the right currency, with number formats you recognise.
Clear breakdowns
See where your tax goes line by line, and how your loan balance falls year after year.
Answers in three steps
Choose a country
Search the list and pick yours. The currency is set for you.
Enter your numbers
Type your salary, or a loan amount, rate and length.
Read your results
See what you keep, what you owe and exactly where it goes.
Questions people ask
How accurate are the tax figures?
They are estimates for a single, resident employee, based on 2025 tax brackets. Your real tax can differ because of deductions, local taxes and your personal situation. This app is not tax advice.
Does it need an internet connection?
The country list and take-home pay calculator need a connection. The loan EMI calculator works on your device.
How is the loan EMI calculated?
With the standard reducing-balance formula and monthly payments. Lender fees, insurance and rounding can change your real figures, so confirm with your lender.
Is the app free?
Yes. There is no account to create and nothing to pay.
Privacy policy
Last updated: 31 October 2026
What we collect
We do not ask you to create an account and we do not collect your name, email or contacts. We do not run a server that stores what you type.
Take-home pay calculator
To work out your tax, the app sends the country you select and the income you enter to the Global Finance Calculators public API. That service returns the result. We do not link this information to you.
Loan EMI calculator
Loan calculations happen on your device. The amounts you enter are not sent anywhere.
Contact
Questions about this policy? Write to info@codzio.com.
Not tax advice. Results are estimates for general information. Check with your tax authority or an adviser before making financial decisions.
Know what you keep, today.
Download the app and get your take-home and your EMI in under a minute.
Get it on Google Play