Use our In-Hand Salary Calculator to find out how much salary you actually receive every month after deductions like Income Tax, PF, Professional Tax, and other statutory components. This tool helps salaried employees in India understand their real take-home pay under the New or Old Tax Regime.
In-Hand Salary Calculator
(New Tax Regime – FY 2025-26)
What is In-Hand Salary?
In-hand salary (also called take-home salary) is the amount credited to your bank account every month after deducting:
- Income Tax (TDS)
- Provident Fund (PF)
- Professional Tax (if applicable)
- Other company-specific deductions
It is always less than your CTC (Cost to Company).
How Our In-Hand Salary Calculator Works
Simply enter your salary details, and the calculator will instantly show your monthly and yearly take-home salary.
Inputs Required:
- Annual CTC
- Fixed Salary
- Variable Pay / PLI (if any)
- PF Contribution (Employee)
- Tax Regime (Old / New)
- Other deductions (if applicable)
What You’ll Get:
- Monthly In-Hand Salary
- Annual In-Hand Salary
- Total Tax Payable
- Total Deductions Breakdown
Salary Components Explained
1. Basic Salary
A fixed part of your salary used to calculate PF and other benefits.
2. House Rent Allowance (HRA)
May be partially or fully taxable depending on rent and city (Old Regime).
3. Provident Fund (PF)
Usually 12% of Basic Salary, deducted monthly.
4. Professional Tax
State-specific tax, usually ₹200 per month (where applicable).
5. Income Tax (TDS)
Calculated as per the selected tax regime and income slabs.
Old vs New Tax Regime: Which Should You Choose?
Old Tax Regime
- Allows deductions like:
- 80C (PF, LIC, ELSS)
- HRA
- 80D (Health Insurance)
- Better if you invest and claim deductions
New Tax Regime
- Lower tax slabs
- No major deductions allowed
- Simpler and preferred for higher fixed salaries
Our calculator helps you compare both regimes and choose the best option.
Example: In-Hand Salary Calculation
CTC: ₹19,00,000
Fixed Pay: ₹19,00,000
PF: Applicable
Tax Regime: New
Estimated Monthly In-Hand Salary: ₹1.25 – ₹1.30 Lakhs (approx.)
(Actual amount may vary based on PF, bonuses, and company policies.)
Why Use Our In-Hand Salary Calculator?
- ✔ 100% Free & Easy to Use
- ✔ Accurate as per Indian Tax Rules
- ✔ Supports Old & New Tax Regime
- ✔ Instant Results
- ✔ Helpful for offer evaluation & salary planning
Frequently Asked Questions (FAQs)
Q. Is in-hand salary same as net salary?
Yes, both mean the amount you receive after deductions.
Q. Does CTC include PF and tax?
Yes, CTC includes PF contributions and other benefits, but not tax.
Q. Can in-hand salary change every month?
Yes, due to variable pay, incentives, or tax adjustments.
Start Calculating Your In-Hand Salary Now!
Enter your salary details above and get instant clarity on your take-home pay.