In-Hand Salary Calculator

How to Use In-Hand Salary Calculator

1. Enter your annual CTC (e.g., 12,00,000) and adjust the Basic Salary % slider (default 50%) to match your salary structure.
2. Set the monthly Professional Tax amount based on your state (default ₹200), then click Calculate.
3. The tool computes your Gross Salary, taxable income (after ₹75,000 standard deduction), and applies the new tax regime slabs for FY 2025‑26.
4. Review the result cards: Monthly In‑Hand, Annual In‑Hand, Total Tax, and Monthly Employee PF. Adjust inputs to test different scenarios.

Benefits of In-Hand Salary Calculator

• Instant breakdown of every deduction — employer PF, employee PF, professional tax, and income tax with cess — so you see exactly where your CTC goes.
• Uses the latest new regime slabs (0–4L nil, 4–8L 5%, 8–12L 10% …) and automatically applies the Section 87A rebate, making tax zero up to ₹12L taxable income.
• No manual math; just plug your offer letter numbers and get the real monthly take‑home figure.
• Helps you compare old vs new regime outcomes by adjusting inputs — useful when negotiating salary or switching jobs.

Frequently Asked Questions

What is the difference between CTC and in‑hand salary?

CTC includes employer contributions like PF and gratuity, which you never receive as cash. In‑hand salary is what actually hits your bank after deducting your PF, professional tax, and income tax.

Does the new tax regime give any rebate for ₹12 lakh income?

Yes, under Section 87A, if your taxable income is ₹12,00,000 or below, your tax liability becomes zero after applying the standard deduction and slab rates.

What if my basic salary is not 50% of CTC?

You can change the Basic % slider. A lower basic means lower employee PF but also lower employer PF contribution; the calculator updates all figures instantly.

Is In-Hand Salary Calculator free and private?

Yes — it is 100% free, needs no sign-up, and everything runs in your browser; your data never leaves your device.