Tax Calculators

In-Hand Salary Calculator

Find your monthly take-home salary from any CTC offer, accounting for PF, tax and statutory deductions.

About the calculator

What is the In-Hand Salary Calculator?

The In-Hand Salary Calculator is a free online tool that helps you make informed decisions about your money. Enter your numbers and the calculator gives you instant, accurate results.

Use it to compare scenarios, plan goals and validate assumptions — all without signing up.

Formula used
  • Monthly In-Hand
    (CTC − Employer PF − Gratuity − Tax − Employee PF − PT) / 12

Why use the In-Hand Salary Calculator?

Financial planning works only when it's specific. The In-Hand Salary Calculator converts assumptions into concrete numbers — so you can choose between scenarios with confidence rather than guesswork.

How it helps

By tweaking inputs and instantly seeing the impact, you build intuition for how the underlying variables interact. This is far more useful than abstract formulas alone.

What to remember

Calculators show possible outcomes based on the assumptions you provide. Real-world results may vary; review your plan periodically and adjust as your income, goals and circumstances evolve.

Frequently Asked Questions

Employer PF, gratuity, taxes, employee PF — all reduce your bank credit.
Depends on deductions; usually new regime wins for ₹15L+ CTCs with low deductions.
Yes — ~8.25%, tax-free if held over 5 years.
Payable on completion of 5 years; ₹20L lifetime tax-free limit.
Yes — state-wise, capped at ₹2,500/year.
It's a strong estimate; actual depends on city, HRA structure and additional benefits.

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