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)
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.
Old vs New Tax Regime (FY 2026-27)
The New Tax Regime (FY 2026-27) offers lower tax rates with ₹75,000 standard deduction and rebate up to ₹12 lakh taxable income. The Old Tax Regime allows various deductions like 80C, 80D, HRA exemption with ₹50,000 standard deduction.
The new regime has higher rebate threshold (₹12 lakh vs ₹5 lakh) but doesn't allow most deductions except standard deduction. Surcharge applies on high incomes above ₹50 lakh.
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 also differ depending on whether the employer restricts PF to the statutory wage ceiling or calculates it on full basic salary.
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.