In-Hand Salary Calculator India

In-hand salary, also called take-home or net salary, is the amount actually credited to an employee's bank account after applicable deductions.

Estimate gross salary after accounting for employer-side CTC components, then subtract applicable employee PF, Professional Tax, income tax/TDS and other deductions.

CTC is the overall annual employer cost, while in-hand salary is the net amount credited to the employee after applicable deductions.

CTC can include employer PF, gratuity, insurance, variable pay and other benefits that are not paid as monthly cash salary.

There is no single universal figure. It depends on salary structure, PF, Professional Tax, tax regime, taxable income and other deductions.

The result depends on your salary structure and taxable income. CTC is not the same as taxable income, so the correct result must be calculated from the actual package and tax assumptions.

For AY 2026-27, the standard deduction applicable to salaried taxpayers under the new regime is INR 75,000.

For AY 2026-27, eligible resident individuals can receive the Section 87A rebate where total income is within the applicable INR 12 lakh threshold and the conditions are met. This does not mean every INR 12 lakh CTC package is automatically tax-free.

PF depends on the applicable PF wage and contribution rules. A single deduction amount does not apply to every employee.

Professional Tax is a state-level tax that applies under relevant state rules. Rates and thresholds can vary by state.

No. Applicability and rates depend on the relevant state or jurisdiction and employee circumstances.

Not necessarily. The better regime depends on taxable income, eligible deductions and exemptions, and the taxpayer's circumstances.

Employer PF is generally an employer-side CTC component. Employee PF, however, is deducted from salary and reduces monthly take-home pay.

A gratuity provision included in CTC can reduce the amount treated as current gross salary, but gratuity is not normally an employee-side monthly bank deduction.

Their salary structures, PF treatment, taxable income, Professional Tax, variable pay, insurance and other deductions can differ.

Yes, provided the calculation uses a consistent basis for salary, deductions and the relevant period.

Yes. Enter the proposed CTC and salary-structure details to estimate take-home salary before comparing offers.

Yes. Use the Salary Hike Calculator to calculate the percentage increase, then use this calculator to estimate the resulting take-home amount.

No. It provides an estimate. Final salary depends on employer payroll structure and the deductions applicable to the employee.

Yes. Variable pay can affect taxable income and the timing and amount of monthly cash payments.

HRA can form part of salary and can affect tax calculations depending on the applicable regime and conditions.

A simple monthly CTC equivalent is annual CTC divided by 12, but this is not the same as monthly in-hand salary.

Gross salary is the salary payable before applicable employee-side deductions.

Net salary is commonly used to mean the amount left after applicable deductions and is generally the same concept as take-home or in-hand salary.