SALARY CALCULATOR
Know exactly what lands in your account.
Your offer letter shows CTC. Your bank account shows something noticeably smaller. This calculator shows every rupee of the difference, and why each deduction exists.
Enter your details
Fields are pre-filled with typical values — type your own or drag the sliders, and everything recalculates instantly. Nothing is sent to a server.
The total cost to company figure printed on your offer letter.
House rent allowance is conventionally 50% of basic in metro cities and 40% elsewhere.
The new regime has lower slab rates but allows almost no deductions.
Section 80C, 80D and similar. Ignored under the new regime.
Calculated on FY 2025-26 statutory rates. Indicative only — confirm against current notifications before filing.
Monthly in-hand salary
₹96,050
Monthly gross
₹98,050
Annual in-hand
₹11,52,600
Total monthly deductions
₹2,000
Where each month of your gross salary goes
Full breakdown
Step-by-step calculation
HOW IT WORKS
The formula used
In-hand salary is what remains after four deductions are taken from monthly gross salary.
Basic + HRA + special allowance12% of basic wages, capped at the statutory wage ceilingEmployer contribution is part of CTC but never reaches your account.State-specific monthly deductionAnnual tax liability ÷ 12Gross − PF − ESI − professional tax − income taxUNDERSTANDING IT
About the in-hand salary calculator
There are three salary numbers that matter in India, and almost every confusion about pay comes from mixing them up. Cost to company is the total your employer spends on you in a year. Gross salary is what your salary structure adds up to before deductions. In-hand salary is what actually reaches your bank account after everything has been taken out.
The gap between CTC and in-hand is not a trick. It is made up of real components: the employer's provident fund contribution, administration charges and insurance premiums that are counted as your cost but paid into funds rather than to you, plus your own provident fund contribution, professional tax and income tax.
This calculator uses the conventional Indian salary structure — basic set at 40% of CTC, house rent allowance at 50% of basic for metro cities and 40% elsewhere, and special allowance as the balancing figure — then applies statutory deductions at current rates.
Worked example
Take an annual CTC of ₹12,00,000 in a metro city under the new tax regime.
Monthly CTC is ₹1,00,000. Basic at 40% is ₹40,000 and HRA at 50% of basic is ₹20,000. Employer provident fund is computed on the ceiling wage of ₹15,000 rather than full basic, so employer contributions are roughly ₹1,950 including administration and insurance charges. Special allowance absorbs the remainder. Employee provident fund of ₹1,800 and professional tax of ₹200 come out of gross, then income tax is spread across twelve months.
WHY IT HELPS
What this calculator is good for
Compare offers honestly
Two offers with the same CTC can differ meaningfully in take-home once basic percentage and city are factored in.
Plan around a real number
Rent, EMIs and savings should be planned on in-hand salary, not on the CTC printed in the offer letter.
Understand every deduction
Each line is shown with the rule behind it, so nothing on your payslip is a surprise.
WATCH OUT
Common mistakes
These are the errors that most often produce a wrong number.
Treating CTC as take-home. CTC includes employer contributions that never reach your account.
Forgetting that a higher basic increases provident fund, which reduces take-home while increasing retirement savings.
Assuming the new tax regime is always better. With substantial deductions, the old regime can produce a higher in-hand.
Ignoring professional tax, which is a state-level deduction and does not apply in every state.
Comparing a metro offer with a non-metro offer without adjusting for the different HRA treatment.
HR TIPS
Practical guidance
Negotiate structure, not just CTC
Asking for a different basic-to-allowance split can change take-home without changing the headline CTC.
Run both regimes before declaring
Compute under old and new regimes with your actual deductions before electing one for the year.
Check the ESI threshold
Employees under the statutory gross wage limit have ESI deducted, which changes take-home noticeably.
QUESTIONS
In-Hand Salary Calculator — frequently asked
CTC is the employer's total annual cost, including contributions such as employer provident fund, administration charges and insurance that are never paid to you. In-hand salary is what remains in your bank account after your own provident fund, professional tax, ESI where applicable and income tax are deducted from gross salary.
The three most common reasons are employer provident fund being counted inside CTC, income tax being deducted monthly rather than at year end, and a higher basic percentage increasing your own provident fund contribution.
Yes, in the short term. Provident fund is calculated on basic wages, so a higher basic increases both your contribution and your employer's. Your take-home falls, but your retirement corpus and gratuity base both rise.
No. Professional tax is levied by state governments and several states and union territories do not charge it. Where it applies, the slab and frequency vary by state.
It depends entirely on your deductions. The new regime has lower slab rates but disallows most exemptions. If you claim substantial house rent allowance and section 80C investments, the old regime can leave more in hand. Run both before electing.
Results are indicative and computed on FY 2025-26statutory rates using conventional salary-structure assumptions. Your actual figures depend on your employer’s structure, your state and your declarations. Confirm against current notifications before relying on these numbers for filing.
Run this on real payroll, not a calculator
Stop calculating payroll in a spreadsheet. BizzField Payroll runs the whole cycle, applies every statutory rule and files what regulators expect.