OUR STORY
InHand Salary is a free India-focused tool for understanding what your take-home pay actually is from a quoted Cost to Company (CTC). We built it because offer letters quote a big number, but a very different figure lands in your bank account every month.
We take a CTC and break it down into the components that matter — gross salary, employee PF, professional tax and income tax — to show the estimated monthly and annual in-hand salary. The calculator supports the new and old tax regimes for FY 2026-27, state-wise professional tax and both estimated and exact salary structures.
Every number on our salary pages is computed by our own calculation engine at build time, so the static figures always match what the interactive calculator produces for the same inputs. We show every deduction and every assumption rather than hiding them.
The rules are versioned per financial year and reflect official sources: the Income Tax Department for tax slabs, the standard deduction and the Section 87A rebate, and the Employees’ Provident Fund Organisation for the 12% PF contribution rates. Rates are reviewed each year before the new financial year and the site is updated accordingly.
We are transparent about what we can and cannot guarantee: these are estimates for planning and comparison. Your real payslip depends on your employer’s structure, benefits and tax declarations. See our disclaimer for details.
We are not a tax advisor and do not provide individual tax, legal or financial advice. We never ask for personal or financial details, we do not store salary inputs, and we are not an income-tax filing service. For individual decisions, consult a qualified professional or the official authorities.