In-Hand Salary Calculator

An in-hand salary calculator converts your annual CTC into monthly and annual take-home pay by deducting employer and employee PF, professional tax and new-regime income tax for FY 2025-26, and also shows your effective tax rate.

In-hand salary is what's left of your CTC after the employer's PF contribution, insurance and other non-cash benefits are stripped out and your own PF contribution, professional tax and income tax are deducted — the number that actually lands in your bank account each month. That gap between CTC and take-home catches almost everyone by surprise on their first payslip. This calculator walks that whole chain for you.

The estimate uses common defaults you can adjust: basic salary at 40% of CTC (a widely used structuring norm), employee and employer PF each at 12% of basic, and income tax computed under the new regime for FY 2025-26 — nil up to ₹4 lakh, rising through 5/10/15/20/25% slabs to 30% above ₹24 lakh, with the §87A rebate zeroing out tax for taxable income up to ₹12 lakh and a ₹75,000 standard deduction applied automatically. Real payslips vary — some companies use a different basic percentage, add HRA and special allowance lines, or offer the old tax regime — so treat this as a close, well-reasoned estimate rather than a payroll-exact figure.

Use it while negotiating an offer to translate a CTC number into what you'll actually bank each month, or to sanity-check your own payslip against the standard structure. If your real basic percentage or professional tax differs, adjust the fields — the effect on your in-hand pay is immediate and visible.