Use our updated In-Hand Salary Calculator 2026 to convert your CTC to monthly take-home pay. Calculate net salary after tax, PF, and deductions as per FY 2025–26 India income tax rules. Perfect for employees, job seekers, and HR professionals.
Enter your CTC and salary details below. Results update in real-time as you type.
Enter your CTC above to see your
in-hand salary breakdown instantly
Comprehensive, accurate, and privacy-focused salary calculation for Indian employees
Results update instantly as you type. No need to press a button — see your in-hand salary change live with every input.
Updated with latest Indian tax slabs for both Old and New regimes, including revised standard deduction and Section 87A rebate.
All calculations happen locally in your browser. Your salary data never leaves your device — zero data collection.
See every component — Basic, HRA, Special Allowance, EPF, Gratuity, Tax — in both monthly and annual views with visual charts.
Override any auto-calculated value. Customize Basic %, HRA %, PF amounts to match your exact offer letter or payslip.
No sign-ups, no limits, no hidden fees. Use as many times as you need. Compare Old vs New regime instantly.
An in-hand or take-home salary calculator helps employees, job seekers, and HR professionals estimate their monthly net pay from their CTC. This calculator is updated for the latest FY 2025–26 tax rules, ensuring accurate and current results for Indian salary structures.
In-hand salary (also called take-home salary or net salary) is the final amount credited to your bank account after all statutory and tax deductions. It excludes employee PF contributions, income tax (TDS), professional tax, ESIC, and other deductions as per company policy.
Formula: In-Hand Salary = Gross Salary − Total Deductions (Employee PF + Income Tax + Professional Tax + Other Deductions)
This is especially useful when evaluating job offers, since two companies offering the same CTC may result in very different in-hand salaries depending on their salary structure. Our calculator supports both the New and Old Tax Regimes for FY 2025–26, so you can compare which regime saves you more tax.
| Term | Definition | Includes |
|---|---|---|
| CTC (Cost to Company) | Total annual compensation offered by the employer. Highest figure — includes both employer and employee-side costs. | Basic + HRA + Allowances + Bonus + Employer PF + Gratuity + Insurance |
| Gross Salary | CTC minus employer contributions. Amount before deductions like tax or employee PF. | Basic + HRA + Special Allowance (CTC − Bonus − Employer PF − Gratuity) |
| In-Hand / Net Salary | The actual amount credited to your bank account after all deductions. | Gross − Employee PF − Professional Tax − Income Tax − Other Deductions |
Example: If your CTC is ₹10,00,000 per year, your in-hand salary may be around ₹65,000–₹70,000 per month after PF and tax deductions.
This tool breaks down your CTC into detailed components to show exactly how much you take home. You’ll see a complete breakup of Basic Salary, HRA, Special Allowance, Employer PF, Employee PF, Gratuity, Professional Tax, Income Tax, and the final net take-home salary — in both monthly and annual views.
CTC: ₹10,00,000 | Bonus: ₹50,000 | Employer PF: ₹1,800/month | Gratuity: ₹21,635
Gross Salary = ₹10,00,000 − ₹50,000 − ₹21,600 − ₹21,635 = ₹9,06,765
Basic = 50% of Gross = ₹4,53,383 | HRA = 50% of Basic = ₹2,26,691 | Special Allowance = ₹2,26,691
Deductions: Employee PF ₹1,800/month + PT ₹200/month + Income Tax ₹0 (after ₹75K standard deduction & 87A rebate)
Monthly In-Hand ≈ ₹73,564 | Annual In-Hand ≈ ₹8,82,765
This calculator reflects the FY 2025–26 income tax slabs, standard deductions, and new regime updates. You can compare both the Old Tax Regime (with exemptions like HRA and 80C) and the New Regime (simpler structure, lower rates, fixed ₹75,000 standard deduction).
Your taxable income is derived after considering HRA exemption (old regime), Section 80C/80D/NPS deductions, and the applicable standard deduction. Comparing both regimes helps determine which one maximises your take-home pay.
Standard Deduction: ₹75,000. Section 87A Rebate: Tax liability up to ₹60,000 is fully rebated (for taxable income up to ₹12,00,000).
| Income Slab (Annual) | Tax Rate |
|---|---|
| Up to ₹4,00,000 | Nil |
| ₹4,00,001 – ₹8,00,000 | 5% |
| ₹8,00,001 – ₹12,00,000 | 10% |
| ₹12,00,001 – ₹16,00,000 | 15% |
| ₹16,00,001 – ₹20,00,000 | 20% |
| ₹20,00,001 – ₹24,00,000 | 25% |
| Above ₹24,00,000 | 30% |
Standard Deduction: ₹50,000. Deductions allowed: Section 80C (up to ₹1.5L), HRA exemption, 80D, etc.
| Income Slab (Annual) | Tax Rate |
|---|---|
| Up to ₹2,50,000 | Nil |
| ₹2,50,001 – ₹5,00,000 | 5% |
| ₹5,00,001 – ₹10,00,000 | 20% |
| Above ₹10,00,000 | 30% |
The tool automatically converts your annual CTC into a monthly gross and in-hand salary, helping you visualise both monthly and annual deduction impact.
Monthly Gross: ₹1,00,000
Monthly Deductions: ₹10,000–₹15,000 (tax + PF)
Monthly Take Home: ₹85,000–₹90,000 approx.
For freelancers, contractors, or part-time employees, the hourly-to-salary conversion helps understand your annual earning potential.
Working 8 hours/day and 22 days/month:
Monthly Income: ₹88,000 | Annual Income: ₹10.56 LPA (before tax and deductions)
Note: If you transition to a full-time salaried role, standard PF and tax deductions will apply, reducing your in-hand pay.
This calculator is valuable when comparing multiple job offers beyond the headline CTC number. A higher CTC doesn’t always mean higher in-hand salary. By using this tool, you can:
Always compare net salary, not just total package, before accepting a job.
Disclaimer: This in-hand salary calculator is meant for educational and estimation purposes only. Actual payroll amounts may differ based on employer policy, specific exemptions, or state-level rules. Tax laws change frequently — always consult your HR department or a certified tax advisor for exact figures.