Calculate your monthly and yearly in-hand salary after tax using our free online tool. Includes PF, ESI, PT, income tax for all Indian states. No login. Compare FY 2024–25 & 2025–26. Mobile-friendly and 100% accurate.
For most salaried professionals in India, understanding the difference between CTC and in-hand salary after tax often leads to confusion. You may receive a job offer with an attractive package, but when the monthly salary is credited, the amount seems significantly lower than expected. Why? Because of tax deductions, statutory contributions, and professional tax — all of which vary based on location and financial year.
That’s why HR Calcy’s in-hand salary calculator after tax is designed to give you crystal-clear visibility into your actual take-home salary. Whether you're negotiating a new offer or simply planning your monthly budget, this calculator helps you break down every component — automatically and instantly.
In-Hand Salary Calculator After Tax
| Components | Input |
|---|---|
| Monthly Gross ₹: | |
| State: | |
| Financial Year: |
Slide Gross For Desired Net Pay
Gross:₹18,000Why You Need an In-Hand Salary Calculator Today
If you're asking yourself, “How much salary will I get in hand after tax?” — you're not alone. Millions of employees, from freshers to experienced professionals, are searching for ways to calculate their net salary with accuracy and ease.
A simple salary slip doesn't reveal the whole picture. Here’s why:
| Component | What It Means |
|---|---|
| Gross Salary | Total before deductions – includes basic, HRA, allowances, etc. |
| Deductions | Includes PF, ESI, Professional Tax, and Income Tax |
| In-Hand Salary | Actual amount credited after all deductions are made |
Manual calculation is time-consuming and often inaccurate, especially with the frequent updates in income tax regimes and state-level professional tax rules. An efficient salary calculator does all of this in seconds, with no login or signup required.
How HR Calcy's Calculator Makes It Effortless
Our calculator isn’t just another online form. It’s a highly intuitive tool built specifically for Indian users. You only need to:
- Enter your monthly gross salary
- Select your state (to adjust for Professional Tax)
- Choose the financial year (to match updated income tax rules)
- Optionally, use the interactive slider to visualize net pay variations
It supports both FY 2024–25 and FY 2025–26, including recent updates like the ₹12 lakh tax-free limit for the new regime, applicable from April 1, 2025, as per the Union Budget 2025. All tax slabs, rebates, cess, and deductions are pre-fed, making it 100% up-to-date and reliable.
What’s Unique About This Calculator?
While there are multiple calculators online, very few account for state-wise Professional Tax (PT), which can significantly impact your in-hand salary. For example:
| State | Monthly PT Deduction (Approx.) |
|---|---|
| Karnataka | ₹200 |
| Maharashtra | ₹200 |
| Gujarat | ₹0–₹200 |
| Tamil Nadu | ₹0–₹208 |
Unlike most tools, HR Calcy’s version dynamically adjusts PT based on the state you select. It also automatically includes PF (Provident Fund) and ESI (Employee State Insurance) calculations where applicable. These are statutory deductions and often missed in regular calculators.
Always Up-To-Date with Latest Tax Rules
One of the biggest challenges for job seekers and working professionals is tracking the latest income tax changes. HR Calcy addresses this by integrating slabs and rebates from the latest Budget. For instance, from FY 2025–26 onward, individuals earning up to ₹12,00,000 under the new regime will pay zero income tax, thanks to the structured slab system and available rebates under Section 87A.
You can read more about these rebate benefits from Income Tax India, ensuring that the deductions shown in your in-hand pay are factually correct and up to date.
Step-by-Step Guide to Using the In-Hand Salary Calculator After Tax
Using the calculator on HR Calcy is simple and intuitive, even if you have no background in payroll or taxation. Here’s a clear walkthrough to help you calculate your actual take-home salary:
- Enter Your Monthly Gross Salary
Type in the total amount your employer offers per month before deductions. - Select Your State
Each Indian state imposes different professional tax rates. For instance, Tamil Nadu applies a progressive PT structure, whereas states like Delhi levy none. - Choose the Financial Year
You can toggle between FY 2024–25 and FY 2025–26. This matters because the new tax regime rules are evolving, and FY 2025–26 offers a higher zero-tax threshold for eligible earners. - Use the Salary Slider
This unique feature allows you to slide your gross figure up or down to instantly see how your net salary changes in real-time. It’s especially useful when comparing job offers or planning salary negotiations. - Review the Results Table
The output shows you a monthly and yearly breakdown across components:- Gross salary
- PF and ESI deductions
- State-specific professional tax
- Pre-tax and post-tax net pay
- Exact monthly income tax deduction
This breakdown is not just visually digestible but also aligns with the latest updates from Ministry of Labour & Employment and the EPFO India, ensuring that statutory deductions like PF and ESI are calculated precisely.
Real-Life Example: How Much Will You Actually Get?
Let’s assume your monthly gross salary is ₹75,000, you live in Maharashtra, and you select FY 2025–26 under the new tax regime.
Here’s what the calculator will likely display:
| Salary Component | Monthly (₹) | Yearly (₹) |
|---|---|---|
| Gross Salary | 75,000 | 9,00,000 |
| PF Employee Contribution | 1,800 | 21,600 |
| Professional Tax (Maharashtra) | 200 | 2,400 |
| Income Tax | 0.00 | 0.00 |
| ESI (Not Applicable) | 0.00 | 0.00 |
| Post-Tax Net Pay | 73,000 | 8,76,000 |
In this case, since the annual taxable income is below ₹12,00,000, no income tax is applied, and the net take-home remains high. The tool automatically adjusts for PF and PT, offering a transparent estimate of your monthly earnings.
This is especially useful for professionals relocating to another state, switching companies, or evaluating multiple job offers. Without such a tool, one could easily miscalculate real income — leading to incorrect budgeting or expectation mismatch during offer negotiations.
Understanding Each Component of Your In-Hand Salary After Tax
To accurately estimate your in-hand salary, it’s essential to understand what each deduction or allowance means. Every rupee in your payslip has a purpose—some are credited to you, while others are deducted either for statutory compliance or tax purposes. Let’s decode each piece.
1. Gross Salary
Gross salary is the total earnings before any deductions. It includes:
- Basic Pay
- House Rent Allowance (HRA)
- Special Allowance
- Conveyance/Transport Allowance
- Performance Bonuses (if monthly)
Gross salary is not your in-hand salary. It’s only the starting point for calculating what you’ll actually receive after all deductions are applied.
2. Employee Provident Fund (EPF)
A fixed 12% of your basic salary is contributed by you to the EPF scheme. Your employer matches this contribution. Only your share is deducted from your gross salary for the in-hand calculation.
For example, if your basic salary is ₹15,000, then ₹1,800 is deducted monthly towards PF.
These savings grow with interest (currently 8.15% per annum) and can be accessed upon retirement or under specific conditions. For more details, refer to the official EPFO Member Portal.
3. Professional Tax (PT)
This is a state-level tax that varies depending on where you work. It's mandatory and deducted by the employer every month. Below is a sample reference:
| State | Monthly PT Deduction |
|---|---|
| West Bengal | ₹110 – ₹200 |
| Tamil Nadu | ₹23 – ₹208 |
| Gujarat | Up to ₹200 |
| Delhi | Nil |
Each state's slab rates are governed by respective commercial tax departments. You can verify PT rates on official state portals like the Gujarat Commercial Tax Department.
4. Employee State Insurance (ESI)
If your gross salary is ₹21,000 or less, ESI becomes applicable. The employee contributes 0.75% of gross, while the employer contributes 3.25%.
This provides medical and cash benefits during sickness, maternity, or employment injury. Salaried employees who fall under this slab are automatically covered under this social security scheme managed by the ESIC.
5. Income Tax
This is where it gets more dynamic. Your income tax liability depends on:
- The total taxable income (gross minus standard deduction)
- Financial year selected
- Whether your state levies additional surcharges
- If your income qualifies for tax rebates or cess
For instance, in FY 2025–26, the new tax regime provides zero tax liability up to ₹12,00,000 for eligible individuals. The calculator considers this automatically and adjusts the monthly deduction accordingly.
The income tax calculated is distributed equally across 12 months, giving you a clearer picture of how much gets deducted each month and how much remains as in-hand salary after tax.
When all these components are factored in together, your true take-home pay becomes clear. This is what makes HR Calcy's in-hand salary calculator after tax not just a tool, but a strategic asset in financial planning.
Who Should Use the In-Hand Salary Calculator After Tax — And Why It Matters
Understanding your real take-home pay isn't just about curiosity—it's a powerful tool for making smarter financial decisions. The in-hand salary calculator after tax is particularly helpful for various segments of users, each with distinct needs. Let’s explore how it caters to each group.
For Freshers and First-Time Job Seekers
Entering the workforce is exciting, but salary negotiations and offer letters can be confusing. Many freshers mistake CTC (Cost to Company) for actual salary, only to discover later that the in-hand salary is significantly less due to PF, tax, and other deductions.
Using this calculator before accepting an offer allows freshers to:
- Understand monthly take-home
- Account for deductions like EPF and PT
- Set realistic expectations for living expenses
This is especially useful in cities like Bengaluru or Mumbai, where rent and transport can consume a large portion of income. Referencing tools like the NPS Trust calculator or the EPF interest chart can further enhance planning for long-term benefits.
For Professionals Changing Jobs
When switching jobs, professionals often receive higher CTCs. However, the net increase in in-hand salary may not be as significant after tax deductions. Our calculator helps such users:
- Compare multiple job offers side by side
- Check post-tax benefits under different financial years
- Make location-based comparisons (as PT varies by state)
Consider a mid-career professional receiving an offer of ₹15 LPA from a company in Tamil Nadu, versus ₹14.5 LPA in Delhi. Although the former sounds better, Delhi imposes no professional tax, making the net difference smaller than expected.
For Freelancers and Contractual Workers
Freelancers often receive payment without standard deductions like PF or ESI, but income tax still applies. If they cross the tax-exempt threshold, monthly estimated tax liabilities must be accounted for in their own financial planning.
This calculator can help freelancers:
- Estimate monthly tax outflows
- Plan for quarterly advance tax payments
- Stay compliant and avoid underpayment penalties under Income Tax Act, 1961
Such users benefit by using the calculator to reverse-engineer how much they should invoice in order to retain a desired in-hand amount after tax.
For HR and Payroll Professionals
HR teams and payroll admins can use this tool internally to:
- Explain salary structure to new hires
- Run pre-offer simulations for negotiation support
- Estimate statutory contributions for budgeting purposes
This adds a layer of transparency and helps companies build trust with candidates during onboarding or offer discussions.
With real-time sliders, state-based deductions, and annual tax rule updates built in, this tool is more than just a calculator—it’s a bridge between offer letters and financial clarity.
How to Calculate In-Hand Salary After Tax in India – A Step-by-Step Guide
Understanding how much of your salary actually lands in your bank account — also known as in-hand salary — is essential for budgeting, financial planning, or evaluating a job offer. Here's a complete, detailed breakdown of how to calculate it:
Step 1: Start with Your Gross Salary
Gross salary is the total salary offered to you by your employer before any deductions.
It includes:
- Basic Pay
- House Rent Allowance (HRA)
- Special Allowance
- Travel/Conveyance
- Bonus or Performance Pay (if monthly)
- Other Allowances (Mobile, LTA, etc.)
Example:
If your offer letter says ₹12,00,000 per annum CTC and includes variable components, only the fixed monthly gross is used for in-hand calculations.
Step 2: Deduct Mandatory Contributions
1. Employee Provident Fund (EPF)
- Typically 12% of Basic Pay
- Maximum deduction capped at ₹1,800 per month (if PF wage is above ₹15,000)
Example:
If your basic salary is ₹25,000/month, then PF deduction = ₹1,800.
2. Employee State Insurance (ESI)(if applicable)
- Applicable only if gross is ≤ ₹21,000/month
- Rate: 0.75% of gross salary
If your salary is ₹18,000/month, ESI = ₹135
3. Professional Tax (PT)
- Varies by state and income slab
- Ranges from ₹150–₹200/month in most states
| State | Monthly PT for ₹30,000 Salary |
|---|---|
| Maharashtra | ₹200 |
| Karnataka | ₹200 |
| Tamil Nadu | ₹208 |
| Gujarat | ₹200 |
| Delhi/UP/Haryana | ₹0 |
Full PT slab details available on state portals.
Step 3: Calculate Income Tax
Depending on your annual taxable income, deductions, and regime selected (Old vs New), your income tax liability is calculated.
Choose Your Tax Regime
Old Tax Regime allows deductions:
- 80C (PF, LIC, ELSS): up to ₹1.5L
- 80D (Medical Insurance): up to ₹25,000
- HRA Exemption
- Standard Deduction: ₹50,000
- LTA, etc.
New Tax Regime (default):
- Lower tax rates
- No exemptions or deductions (except standard deduction ₹50,000 and NPS)
Use Slabs to Compute Tax
| Income Slab (FY 2024–25 – New Regime) | Tax Rate |
|---|---|
| Up to ₹3,00,000 | 0% |
| ₹3,00,001 – ₹6,00,000 | 5% |
| ₹6,00,001 – ₹9,00,000 | 10% |
| ₹9,00,001 – ₹12,00,000 | 15% |
| ₹12,00,001 – ₹15,00,000 | 20% |
| Above ₹15,00,000 | 30% |
Add 4% Health & Education Cess on total tax.
Tip: If your taxable income is ≤ ₹7 lakh, you get a rebate under Section 87A = ₹25,000.
Step 4: Income Tax Calculation Example
Let’s say:
- Monthly gross salary: ₹80,000
- Annual gross = ₹9,60,000
- Under new regime (no deductions)
Taxable Income = ₹9,60,000 − ₹50,000 (Standard Deduction) = ₹9,10,000
Tax Calculation:
- 0% on ₹3,00,000 = ₹0
- 5% on ₹3,00,000 = ₹15,000
- 10% on ₹3,10,000 = ₹31,000
Total Tax = ₹46,000 + 4% cess = ₹47,840
Monthly TDS = ₹3,987
Step 5: Final In-Hand Salary Calculation
Here’s a full breakdown:
| Component | Monthly (₹) |
|---|---|
| Gross Salary | 80,000 |
| Less: PF | 1,800 |
| Less: PT (e.g., MH) | 200 |
| Less: Income Tax (TDS) | 3,987 |
| In-Hand Salary | ₹74,013 |
If eligible for ESI, deduct that too.
Bonus Tip: Use an In-Hand Salary Calculator
Manual calculation is useful, but time-consuming. To avoid confusion, use trusted online tools like the Income Tax Calculator on Income Tax India Portal or HR Calcy In-Hand Salary Calculator to get precise, state-wise and regime-specific results.
Common Questions About In-Hand Salary After Tax
Despite how often we receive a salary, many working professionals are unaware of how various components impact their actual in-hand pay. To clarify this, here are some of the most frequently asked questions and common misconceptions that this in-hand salary calculator after tax helps resolve.
Is CTC the Same as In-Hand Salary?
No, CTC is not the same. CTC includes employer contributions, benefits, and even reimbursements that are not part of the in-hand salary. Here's a simple breakdown:
| Salary Component | Included in CTC? | Included in In-Hand? |
|---|---|---|
| Basic + HRA + Allowances | ✅ | ✅ |
| PF Employer Contribution | ✅ | ❌ |
| Gratuity | ✅ | ❌ |
| Bonus (Conditional) | ✅ | ❌ |
| Medical/Travel Reimbursements | ✅ | ❌ |
Many professionals assume that ₹10 LPA in CTC will yield ₹83,000+ monthly in-hand. After tax and statutory deductions, this could drop to ₹68,000–₹74,000.
How Does the Financial Year Affect In-Hand Salary?
Every financial year, the tax regime and exemption limits may change. For example:
- In FY 2024–25, individuals earning up to ₹7 lakh may get a tax rebate under Section 87A.
- In FY 2025–26, the rebate threshold increases up to ₹12 lakh under the new regime.
This shift directly impacts monthly tax deductions and, in turn, your take-home pay. The calculator lets users choose the financial year and see exactly how their net salary will change.
The latest slab details are available on the official Income Tax Department website.
What Is the Role of HRA in Post-Tax Salary?
House Rent Allowance (HRA) is partially exempt from taxable income, based on:
- Your basic salary
- The city you live in (metro vs. non-metro)
- Actual rent paid and if you're living in a rented house
For instance, someone living in Mumbai paying ₹25,000 rent will have a higher HRA exemption than someone in a smaller city. This HRA benefit can significantly increase your in-hand salary after tax, especially when combined with deductions under Section 10(13A).
To verify HRA exemptions, salaried individuals can refer to the ClearTax HRA calculator or consult their Form 16 from employers.
Can Changing States Affect My Net Salary?
Yes, particularly because Professional Tax (PT) rates are state-specific. For example:
- Maharashtra charges ₹200 for those earning above ₹10,000/month
- Delhi charges no professional tax at all
- Kerala’s PT can go up to ₹1,250 depending on income
This seemingly small deduction can create a noticeable monthly difference, especially over time. That’s why our calculator includes a state selector—it automatically adjusts PT based on where you work.
Clearing up these questions early helps avoid salary shock and supports better negotiation. The in-hand salary calculator bridges the information gap between HR jargon and real monthly income for employees at all levels.
Final Thoughts: Maximising Your In-Hand Salary After Tax
Whether you're a salaried employee, freelancer, or HR executive, knowing your in-hand salary after tax is fundamental to sound financial planning. Without clear insight, you're left guessing—often leading to poor decisions regarding savings, investments, or even switching jobs.
With the right tools and awareness, you can optimise your salary structure and take better control of your finances. Let’s go over a few final tips to help you make the most of your take-home pay.
Practical Tips to Improve Net Take-Home Pay
Making small adjustments can go a long way in improving your post-tax income. Here are some practical approaches:
- Opt for tax-saving components: Consider including Food Coupons, LTA (Leave Travel Allowance), or Sodexo benefits in your salary structure.
- Choose the right tax regime: Compare the new and old regimes based on your annual deductions. You can even switch every year based on what's most beneficial.
- Invest smartly under Section 80C: Up to ₹1.5 lakh of investments in ELSS, PPF, and life insurance are deductible.
- Utilise NPS for extra tax savings: Contributions to the National Pension System over and above 80C qualify under Section 80CCD(1B), with an extra ₹50,000 deduction (source).
- Maintain accurate documentation: Ensure rent receipts, declarations, and Form 12BB are submitted timely to avoid excess tax deduction.
These are not shortcuts—they're legitimate and strategic steps that align with the CBDT guidelines.
Why This Calculator Stands Out
There are many calculators online, but the one offered by HR Calcy is uniquely positioned for Indian users. Here’s what sets it apart:
| Feature | HR Calcy Calculator | Generic Tools |
|---|---|---|
| State-wise Professional Tax | ✅ | ❌ |
| Dual-Year Tax Comparison (2024–25 & 2025–26) | ✅ | ❌ |
| Slider to Estimate Desired Net Pay | ✅ | ❌ |
| Auto PF/ESI Adjustments | ✅ | ❌ |
| Mobile Responsive | ✅ | ⚠️ |
| No Login Required | ✅ | ❌ |
Unlike many tools that offer static results or lack transparency in calculations, this tool is dynamic, fast, and tuned to the needs of Indian professionals at every level.
Call to Action: Try It Yourself
If you're planning a job change, negotiating an offer, or just want to better understand your current paycheck, don’t wait. Try the in-hand salary calculator after tax on HR Calcy right now and get a complete breakdown in seconds. It's free, requires no sign-up, and works across all devices.
Whether you're earning ₹18,000 or ₹1.8 lakh per month, you deserve clarity about what truly reaches your bank account.
FAQ
What is an in-hand salary after tax?
In-hand salary after tax is the final amount you receive each month after all deductions like PF, ESI, PT, and income tax are subtracted.
Does the in-hand salary calculator include income tax?
Yes, it includes income tax, professional tax, ESI, and PF based on your gross salary, state, and financial year selected.
Can I use the calculator for FY 2025–26?
Yes, the tool supports both FY 2024–25 and FY 2025–26 with updated tax slabs and automatic regime-based calculation.
Do I need to sign up or log in to use this calculator?
No, the in-hand salary calculator is completely free to use and does not require any login or registration.
Is this tool applicable for all Indian states?
Yes, the calculator covers all Indian states and adjusts professional tax rates automatically based on your location.
Can this tool help during salary negotiations?
Absolutely. It helps you estimate your take-home pay precisely, which is vital during job offers and salary discussions.
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