Salary In-Hand Calculator
Estimate your take-home (in-hand) salary after tax and deductions — with a clean monthly & yearly breakdown.
Explanation
Your in-hand salary (take-home) is what you actually receive after deductions like PF, professional tax, insurance/benefits deductions, and income tax (TDS). Many offers mention CTC, which can include employer PF and other benefits, so CTC is usually higher than in-hand salary.
Tip: Compare Old vs New regime using the same salary to see which gives higher take-home. If you claim deductions (80C/80D, etc.), Old regime may work better. If you don’t claim many deductions, New regime is often simpler.
Formula
Monthly Take-home ≈ Monthly Gross − (PF + NPS + PT + Insurance/Other + Monthly Tax) Yearly Tax ≈ Tax(Annual Taxable Income) + Cess (optional)
FAQs
Include bonuses?
Bonuses can be included as annual bonus or averaged monthly. Tax treatment may vary; this tool provides an estimate.
Taxable components?
Basic, DA, most allowances and bonus are usually taxable. Exemptions vary by regime and rules.
EPF contribution?
Employee PF is deducted from salary and reduces in-hand. Employer PF is part of CTC but not received in-hand.
How to compute monthly tax?
We estimate annual tax based on your inputs and selected regime, then divide by 12 for monthly TDS.
Add-ons like insurance?
If deducted from salary, add them as monthly deductions for a closer estimate.