In-Hand Salary Calculator India
Estimate your monthly take-home salary from annual CTC. Accounts for PF, professional tax, and income tax under both regimes.
Enter Your Salary Details
Default: ₹75,000 (New Regime)
Use this only for deductions allowed under the new tax regime, such as eligible employer NPS contribution under Section 80CCD(2), if applicable.
Enter Details to Calculate
Fill in your salary details and click calculate to see your in-hand salary breakdown.
Understanding In-Hand Salary in India
In-hand salary (also known as take-home salary or net salary) is the actual amount you receive in your bank account after all deductions. It differs from CTC (Cost to Company) which includes employer contributions and benefits.
Key Deductions
- Provident Fund (PF): Employee contribution is deducted from your salary. Employer contribution is separate and added to your PF account.
- Professional Tax: State-level tax on employment, usually ₹200/month (varies by state).
- Income Tax (TDS): Tax deducted at source based on your taxable income and applicable tax regime.
New vs Old Tax Regime
The New Tax Regime offers lower tax rates with a higher standard deduction and rebate up to ₹12 lakh taxable income, but limits deductions to only those specifically allowed (like employer NPS under 80CCD(2)). The Old Tax Regime allows various deductions like 80C, 80D, HRA exemption, LTA, and home loan interest with a lower standard deduction.
The new regime has a higher rebate threshold but does not allow most old-regime deductions except standard deduction and employer NPS. Surcharge applies on high incomes above ₹50 lakh under both regimes.
Tax Year Note
Updated for FY 2026-27 / AY 2027-28. Payroll TDS may vary by employer. Some employers deduct tax evenly across the year, while others deduct higher TDS in bonus payout months. PF may differ depending on whether the employer calculates PF on full basic salary or restricts it to the statutory wage ceiling.
New tax regime deductions are limited. Enter only deductions specifically allowed under the new regime.
Not sure which tax regime to choose?
Use the New vs Old Tax Regime Calculator to see exactly how much tax you save under each regime.
Want to estimate your gratuity?
Calculate your gratuity eligibility on exit or estimate future gratuity with salary growth projections.
Want to estimate your EPF corpus?
Estimate your EPF accumulation at retirement based on salary, growth and interest rate.
Disclaimer
This calculator provides approximate estimates based on standard assumptions. Actual in-hand salary may vary depending on your employer's payroll structure, location-specific regulations, company policies, and other factors. The values shown are indicative and for planning purposes only. For accurate figures, please refer to your salary breakup from HR or the payroll department.