In-Hand Salary Calculator (India)
Calculate your exact monthly in-hand salary after all deductions.
What is In-Hand Salary in India?
In-hand salary is the actual amount you receive in your bank account every month after income tax, EPF, and professional tax deductions. This calculator helps you estimate your take-home pay under the latest Indian tax rules.
Why does my in-hand differ from my offer letter? Your offer letter shows CTC (Cost to Company), while in-hand salary is what remains after all deductions are made.
- Salary Structure: Basic Salary is assumed to be 40% of CTC. HRA is 50% of Basic.
- Tax Slabs: Calculations use the official income tax slabs for FY 2025-26 (AY 2026-27), including a 4% cess.
- Standard Deduction: A default standard deduction of ₹50,000 is applied under both regimes.
- Disclaimer: This is an estimator, not financial advice. Actual payslips may differ due to company policies.
Enter your CTC to see a real-time salary breakdown.
In-hand salary, also known as take-home salary, is the final amount credited to your bank account after all deductions are applied to your gross salary.
While companies often quote compensation as CTC (Cost to Company), the in-hand salary is usually much lower because of deductions like:
- Income tax (TDS)
- Employee provident fund (EPF)
- Professional tax
This calculator helps bridge that gap between CTC and reality.
This calculator estimates your monthly take-home salary using commonly followed salary structures in India. It works in the following steps:
- Breaks down your annual CTC into key salary components like Basic, HRA, and other allowances.
- Applies statutory deductions such as the employee's EPF contribution and professional tax.
- Calculates your income tax liability based on whether you select the old or new tax regime.
- Shows you a clear estimate of your final monthly take-home salary.
Unless customised, this calculator assumes:
- Basic Salary: 40% of CTC
- HRA: 50% of Basic Salary
- Employee EPF: 12% of Basic Salary (or as configured)
- Tax Calculation: Based on the latest Indian income tax slabs
Actual salary structures may vary by employer, but these figures reflect a typical private-sector setup.
This tool provides a close estimate, but your actual payslip might differ slightly due to:
- Your employer’s specific salary structure and allowance components.
- The timing and frequency of variable pay or bonus payouts.
- Additional pre-tax deductions like National Pension System (NPS) or company-provided insurance.
- Changes in your tax declarations made during the financial year.
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Once you know your take-home pay, you can plan your next career move.
This calculator provides an estimate for informational purposes only. Actual salary may vary based on company policy and individual tax declarations.