India · Tax
In-Hand Salary Calculator
Estimate annual and monthly in-hand salary after employee PF, professional tax, and current FY 2025-26 income tax.
Interactive calculator
Estimate in-hand salary for FY 2025-26
Calculate net monthly and annual salary after Employee PF, Professional Tax, and Income Tax deductions under FY 2025-26 slabs.
Results
Selected Regime
New regime
Monthly Take-Home
₹1,28,233
Annual Take-Home
₹15,38,800
Monthly Tax Deduction
₹12,567
New Regime Active Slabs & Computed Tax
How to use it
- 01Enter annual gross salary before employee PF and professional tax deductions.
- 02Choose old or new regime and fill the supported deduction inputs.
- 03Review annual and monthly take-home salary after payroll-linked deductions and tax.
Result guide
- Monthly take-home is the annual net amount divided by 12 for planning convenience.
- Employee PF and professional tax are treated as direct deductions from gross salary cash flow.
- This tool does not attempt full CTC modeling with employer-side PF or gratuity.
About this calculator
An in-hand salary page works best when it connects tax choice to actual monthly cash flow instead of only showing annual liability.
This version focuses on annual gross salary, employee PF, professional tax, and the selected income-tax regime so the result stays understandable and deployable.
Frequently asked questions
Is this a CTC-to-take-home calculator?
Not fully. It starts from annual gross salary rather than a full CTC model with employer-side benefits and cost allocations.
Why ask for employee PF separately?
Because employee PF affects cash in hand directly, while employer PF may be a separate CTC cost depending on compensation structure.
Does the monthly figure reflect actual payroll TDS timing?
It is an annualized estimate, so monthly payroll may differ slightly depending on employer withholding practice.
Method and limitations
This calculator uses the formula and assumptions described on this page. We do not claim independent professional review. Direct references will be listed here when they support a specific rule or data source used by this calculator.
Results are estimates for general information. Verify current rules and assumptions before making financial, tax, or health decisions.
Read our Editorial and Verification Policy →Related calculators
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