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In-Hand Salary Calculator

Estimate annual and monthly in-hand salary after employee PF, professional tax, and current FY 2025-26 income tax.

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Mass-market salary search

Interactive calculator

Estimate in-hand salary for FY 2025-26

This version estimates annual and monthly take-home salary after employee PF, professional tax, and slab-rate income tax under FY 2025-26 / AY 2026-27.

Annual gross salaryUse taxable salary before employee PF and professional tax

Employee PF contributionAnnual employee-side deduction from salary

Age bracket

Professional taxAnnual professional tax deduction

Section 80C amountOld regime only, capped at Rs. 1,50,000

Health insurance / medical spend for selfSection 80D eligible amount before cap

Health insurance / medical spend for parentsSection 80D additional amount before cap

Are parents senior citizens?

Self-occupied home loan interestOld regime only, capped at Rs. 2,00,000

Other eligible old-regime deductionsUse for already-computed HRA or other eligible claims

Other eligible new-regime deductionsUse for already-eligible claims such as employer NPS deduction

Selected new regime summary

Taxable income

₹17,25,000

Total tax

₹1,50,800

Cess ₹5,800

Deductions

₹75,000

Slab tax

₹1,45,000

Relief / rebate

₹0

Salary deductions

Employee PF

₹1,08,000

Professional tax

₹2,400

Annual net pay

₹15,38,800

Monthly net pay

₹1,28,233

Scope note: this calculator is intentionally limited to slab-rate income under FY 2025-26 / AY 2026-27. It does not include surcharge, capital gains tax, lottery income, or every special-case deduction rule.

Results

Selected regime

New regime

Monthly take-home

₹1,28,233

Annual take-home

₹15,38,800

Monthly tax withholding

₹12,567

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.

Why this page matters

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.

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