Use this in-hand salary calculator to get your exact take-home pay after deductions like tax, PF, and HRA. No login required, fast results, and tailored for Indian salaried employees. Compare old vs new tax regime instantly.
In-Hand Salary Calculator
| Components | Input |
|---|---|
| Monthly Gross ₹: | |
| State: | |
| Financial Year: |
Slide Gross For Desired Net Pay
Gross:₹18,000Understanding your in-hand salary is crucial—whether you’re switching jobs, planning monthly expenses, or simply trying to decode your offer letter. While most companies talk in terms of Cost to Company (CTC), what really matters is how much money actually hits your bank account every month. And that’s where a smart, accurate in-hand salary calculator becomes essential.
In this detailed guide, we’ll not only help you calculate your take-home pay for FY 2025–26 with the help of HR Calcy’s advanced, mobile-friendly calculator, but also explain every deduction and allowance that impacts your final salary—without jargon or confusion.
What is In-Hand Salary?
Your in-hand salary, also called net salary or take-home salary, is the amount you receive in your bank account after all mandatory deductions are subtracted from your gross salary.
Let’s break it down with a simplified formula:
In-Hand Salary = Gross Salary – (Provident Fund + Professional Tax + ESI + Income Tax + Cess)
Unlike CTC, which includes employer contributions, bonuses, and benefits, the in-hand salary reflects your actual usable income.
Why Knowing Your In-Hand Salary Matters
Employers may offer attractive packages, but the number that truly affects your lifestyle and financial planning is your monthly take-home. Here’s why an accurate in-hand salary calculator is vital:
- Helps you evaluate job offers transparently.
- Useful for loan eligibility, EMI planning, and budgeting.
- Enables better tax regime decisions—Old vs New.
- Makes you more aware of your salary structure and entitlements.
Yet, most people struggle to estimate this correctly due to complex tax laws, state-wise deductions, and changing policies.
Deductions That Impact Your Take-Home Salary
To better understand the power of a good calculator, you need to be aware of key deductions that reduce your gross pay. Here’s a quick breakdown:
| Deduction Type | Description |
|---|---|
| Provident Fund (PF) | 12% of basic salary (employee share); employer also contributes. |
| Professional Tax (PT) | State-specific; varies from ₹0 to ₹2500 annually depending on location. |
| ESI (if applicable) | 0.75% of gross salary (employee contribution); applies if gross is ≤ ₹21,000/month. |
| Income Tax | Based on old/new regime; includes applicable surcharge and cess. |
| Health & Education Cess | 4% of income tax. |
Each of these deductions is calculated using specific rules defined by government agencies such as Income Tax Department and EPFO.
Meet HR Calcy: Your Smart In-Hand Salary Calculator
Unlike generic calculators that only estimate income tax, HR Calcy’s in-hand salary calculator has been crafted for real-life Indian salary structures—supporting both FY 2025–26 tax regimes.
Key Highlights:
- No login, no sign-up required – Fully free to use.
- Designed for mobile – Smooth sliders, fast load, intuitive UX.
- Real-time tax regime switch – Instantly see the effect on your take-home.
- State-wise professional tax logic – Includes Karnataka, Maharashtra, West Bengal, and more.
- Automatic ESI detection – Applies only when gross ≤ ₹21,000/month.
- Breakdown by month and year – View deductions like PF, PT, IT, and more.
Most online calculators miss one or more of these features—either they skip PT logic, lack mobile optimisation, or require you to sign up before showing results. HR Calcy delivers all of this instantly, without any friction.
How to Use the In-Hand Salary Calculator on HR Calcy (Step-by-Step)
Using HR Calcy’s in-hand salary calculator is straightforward. The tool is designed to eliminate confusion and give users immediate clarity on what they will actually receive every month.
Follow these simple steps to get accurate results:
- Enter Your Monthly Gross Salary
Input your total monthly gross salary (before deductions) in the provided field. This includes basic, HRA, allowances, and any fixed monthly components. - Select Your State
Choose your state of employment from the dropdown. This is crucial because Professional Tax (PT) is calculated based on state-specific slabs. - Select the Financial Year
You can toggle between FY 2024–25 and FY 2025–26. The calculator uses current rules under the New Regime and applies relevant tax slabs accordingly. - Use the Salary Slider
You can drag the slider to see how changes in gross salary impact your take-home pay. This is especially helpful when you're negotiating or comparing offers. - View Instant Breakdown
The result section shows a detailed split:- Gross Salary (Monthly & Yearly)
- ESI Deduction (if applicable)
- Provident Fund (PF)
- Professional Tax (PT)
- Income Tax & Cess
- Post-Tax In-Hand Salary
Example Breakdown: ₹40,000 Gross in Karnataka (FY 2025–26)
Here’s a sample deduction table using HR Calcy’s logic:
| Component | Monthly (₹) | Yearly (₹) |
|---|---|---|
| Gross Salary | 40,000 | 4,80,000 |
| PF (Employee Share) | 1,800 | 21,600 |
| PT (Karnataka Slab) | 200 | 2,400 |
| ESI | 0 (not applicable) | 0 |
| Income Tax & Cess | 2,250 | 27,000 |
| Net In-Hand Salary | 35,750 | 4,29,000 |
This table adjusts instantly based on your input, state selection, and financial year—ensuring a precise estimate every time.
What Makes HR Calcy’s In-Hand Salary Calculator Better?
There are dozens of salary calculators online, but most are either too basic or overly complex. Here's how HR Calcy’s tool stands apart:
| Feature | HR Calcy | Others |
|---|---|---|
| Mobile Optimised Interface | ✅ Yes | ❌ Not always |
| State-wise PT Logic | ✅ Included | ❌ Missing in many |
| ESI Auto-Detection | ✅ Intelligent | ❌ Often static |
| New Regime Tax Computation | ✅ Fully Updated | ❌ Some outdated |
| No Login Required | ✅ Open Access | ❌ Some gated |
| Slider to Simulate Offers | ✅ Available | ❌ Not available |
| Detailed Breakdown (All Components) | ✅ Transparent | ❌ Vague or minimal |
Additionally, HR Calcy refers to authentic tax brackets and deduction limits as issued by the Central Board of Direct Taxes and state PT authorities, making it reliable and up-to-date.
Whether you're in Karnataka, Maharashtra, or West Bengal, the calculator adapts its PT slab calculation dynamically. This state-specific accuracy is usually absent in generic tools that offer only central tax estimates.
Understanding the Impact of New Tax Regime on In-Hand Salary (FY 2024–25 & 2025–26)
The shift towards the new income tax regime has had a direct influence on how take-home salaries are computed in India. HR Calcy’s in-hand salary calculator integrates this regime by default, offering a seamless estimation based on the latest slabs and exemptions.
Why the New Regime Matters
Unlike the old regime, where deductions like HRA, LTA, and 80C investments were common, the new regime simplifies the process by offering lower tax rates but no standard deductions. This means fewer calculations for the taxpayer, but it also makes it critical to understand what your actual in-hand salary will be under this model.
Below is a quick comparison between the two regimes for a gross annual salary of ₹12,00,000:
| Particulars | Old Regime (₹) | New Regime (₹) |
|---|---|---|
| Basic Exemption | 2,50,000 | 3,00,000 |
| Standard Deduction | 50,000 | Not Applicable |
| 80C Deduction (Max) | 1,50,000 | Not Applicable |
| Net Taxable Income | 8,50,000 | 12,00,000 |
| Approx. Tax Liability | 85,800 | 60,000 |
| Monthly Tax Deduction | 7,150 | 5,000 |
The table clearly shows that while the old regime may benefit those with heavy deductions, the new regime favors simplicity and wider applicability. Hence, most employers have started defaulting to this system, especially for salaried employees.
For FY 2025–26, the new regime is set to become the default choice for income tax computation unless an individual opts out formally. The Income Tax Department’s portal confirms that salaried individuals need to declare their chosen regime at the beginning of each financial year.
Real-Life Scenarios Where You Need In-Hand Salary Clarity
In-hand salary isn’t just a theoretical number—it directly affects budgeting, EMI planning, insurance contributions, and lifestyle decisions. HR Calcy’s tool becomes particularly helpful in these day-to-day situations:
- Job Switching or Offer Comparison
When evaluating two different offers with similar gross pay but different deduction structures, this calculator provides exact comparisons in seconds. - Salary Negotiations
Before walking into a CTC discussion, knowing your post-tax salary equips you to negotiate from a position of clarity. - Loan Eligibility & EMI Planning
Financial institutions assess your monthly disposable income while approving loans. Using an accurate tool helps you plan your EMI without overburdening. - Freelancers and Consultants
Even without formal deductions like PF or PT, freelancers can estimate their net earnings and income tax liability using gross monthly projections.
These scenarios show why having access to a reliable in-hand salary calculator is more than just a convenience—it's a financial planning necessity.
Components That Affect Your In-Hand Salary in India
When it comes to understanding your actual take-home pay, gross salary is just the beginning. Several statutory and optional components influence what finally reaches your bank account. A good in-hand salary calculator accounts for each of these to deliver accurate results, just like the one available on HR Calcy.
Mandatory Deductions
These are fixed or percentage-based deductions applied by law or company policy. They’re typically non-negotiable and affect salaried employees across sectors.
| Component | Monthly Deduction | Applied To |
|---|---|---|
| Employee Provident Fund (EPF) | 12% of Basic Pay | Mandatory if basic < ₹15,000 |
| Employee State Insurance (ESI) | 0.75% of Gross | Applicable if gross ≤ ₹21,000 |
| Professional Tax (PT) | ₹150 – ₹208 | Based on state rules |
| Income Tax | Based on slab | As per selected tax regime |
Details such as the professional tax slab vary by state. For example, West Bengal has different brackets from states like Maharashtra or Karnataka, making it essential for any salary calculator to be location-aware. HR Calcy’s tool includes this precision by allowing users to select their state, ensuring PT deductions are correctly applied.
Optional or Variable Deductions
Not every deduction is compulsory. Some depend on individual choices or company policies.
- Voluntary Provident Fund (VPF): Employees can contribute more than 12% of basic to PF voluntarily.
- NPS Contributions: Many private sector employees opt into the National Pension System to claim additional deductions.
- Loan EMIs or Salary Advances: If taken from the employer, repayments may show as monthly deductions.
Understanding which deductions apply helps you make financial choices with clarity. For instance, opting out of ESI may not be possible if your gross pay is within the eligibility cap, but contributing extra to VPF is always voluntary.
Why HR Calcy's In-Hand Salary Calculator Stands Out
While there are many salary calculators available online, most fall short in either depth or accuracy. What sets HR Calcy apart is its combination of ease of use, state-specific precision, and support for the new income tax regime.
Here’s how it compares against other tools commonly found on employer portals or financial websites:
| Feature | HR Calcy | Generic Tools | Excel Templates |
|---|---|---|---|
| No Login Required | ✅ | ❌ | ✅ |
| Supports FY 2025–26 | ✅ | ❌/Partial | ❌ |
| Real-Time Slider Function | ✅ | ❌ | ❌ |
| State-wise PT Calculation | ✅ | ❌ | ❌ |
| Works on Mobile Seamlessly | ✅ | Partial | ❌ |
Most tools either demand signups or oversimplify deductions. HR Calcy’s approach is designed to give users clarity without complexity, all while ensuring that it's fully accessible on smartphones, including low-bandwidth devices.
Additionally, reference-grade sources such as the Labour Ministry and trusted financial institutions back the salary components used, ensuring compliance and credibility.
How Tax Regimes Influence Your In-Hand Salary
The income tax regime you select plays a significant role in determining your final take-home amount. Since April 2023, the new tax regime has become the default option for most salaried individuals in India. However, employees still have the flexibility to choose between the old and new tax systems depending on what works best for them.
HR Calcy’s in-hand salary calculator is equipped to project your net salary after tax by accurately factoring in both regimes. The latest FY 2025–26 slabs are embedded in the logic, so results reflect the most up-to-date deductions.
Comparison of Old vs New Tax Regime
| Income Slab | Old Regime (with deductions) | New Regime (no deductions) |
|---|---|---|
| Up to ₹2.5 lakh | Nil | Nil |
| ₹2.5L – ₹5L | 5% | 5% |
| ₹5L – ₹7.5L | 20% | 10% |
| ₹7.5L – ₹10L | 20% | 15% |
| ₹10L – ₹12.5L | 30% | 20% |
| ₹12.5L – ₹15L | 30% | 25% |
| Above ₹15L | 30% | 30% |
Under the new regime, most traditional deductions like 80C, 80D, and HRA exemptions are not applicable. This makes it ideal for those with fewer investments or exemptions. On the other hand, the old regime remains suitable for those claiming significant deductions.
Users can easily toggle financial years within the calculator to evaluate both outcomes. Unlike calculators that provide static results, this tool gives a real-time, deduction-aware output by applying correct slabs, surcharges, and education cess.
For example, a user earning ₹8.5 lakh annually can instantly see how their in-hand salary varies between regimes. This clarity allows for smarter tax planning without the need for consulting third parties or navigating complex income tax rules.
Dynamic Gross-to-Net Estimation Using Live Slider
One standout feature in HR Calcy’s calculator is the interactive salary slider. This allows users to visually estimate how changes in gross salary impact their net income, in real-time. Most online calculators simply require manual input, but here, the slider offers a seamless experience—especially useful for planning job offers, negotiations, or tracking salary hikes.
This feature isn’t just cosmetic. Behind the scenes, it updates the following based on the selected value:
- Employer and employee contributions to PF and ESI
- Location-specific professional tax
- Tax deductions under applicable slabs
- Cess, surcharge, and exemptions (where applicable)
It’s particularly helpful when users are unsure about their future earnings or planning role switches. For instance, a professional exploring a move from Kolkata to Bengaluru can instantly compare PT slabs and see the impact on their take-home salary using this feature.
The integration is smooth, and it works well on mobile browsers too, making it a dependable tool whether you’re on the go or working from home. This practical advantage places HR Calcy well ahead of other calculators, many of which lack responsive elements or comprehensive tax treatments.
Why Location Matters in In-Hand Salary Calculations
An often-overlooked factor in determining in-hand salary is the state or union territory of employment. This isn't just about cost of living—your location directly affects Professional Tax (PT) liabilities and, in some cases, eligibility for ESI (Employees’ State Insurance). HR Calcy’s calculator integrates these state-level rules to offer a far more accurate net salary estimation.
State-Wise Professional Tax Examples
| State | Monthly PT for ₹30,000 Salary | Notes |
|---|---|---|
| Karnataka | ₹200 | Flat rate above ₹25,000 |
| Maharashtra | ₹200 (₹300 in Feb) | Gender-based exemptions apply |
| West Bengal | ₹150 | Increases with salary slab |
| Tamil Nadu | ₹208 | Based on half-yearly slabs |
| Delhi | ₹0 | No PT applicable |
This means someone earning ₹30,000 in Bengaluru takes home slightly less than a counterpart in Delhi, even with the same gross. By reflecting these variables instantly, HR Calcy offers greater control for users working remotely, relocating, or negotiating offers across regions.
Additionally, ESI applicability is also considered. As per the ESIC rules, employees earning up to ₹21,000/month are eligible for ESI deductions, impacting their net salary. Most calculators miss this nuance, but HR Calcy includes it by default—ensuring total accuracy down to the last rupee.
Real-World Use Cases: From Job Seekers to HR Teams
The value of an accurate in-hand salary calculator extends far beyond casual use. It's a practical necessity for:
- Job Seekers evaluating offers from multiple companies across different states.
- HR professionals preparing cost-to-company (CTC) breakups for new recruits.
- Freelancers and consultants estimating tax impact from sudden income hikes.
- Employees comparing salary revisions year-over-year.
In many cases, users are unsure how components like PF, PT, ESI, and tax slabs interact to shape net pay. HR Calcy’s tool is built for this exact clarity. It doesn’t require sign-ups or email gating—just enter a gross salary, pick a state, and it breaks down everything, live and in real-time.
It even adapts to the latest financial year updates, which is especially important now as the Budget 2024–25 introduced several changes in income tax treatment. By being constantly updated, this calculator doesn’t just stay relevant—it stays ahead.
Frequently Overlooked Deductions That Affect Your In-Hand Salary
Even though gross salary remains the primary focus during job discussions, the actual in-hand salary can be substantially lower once all deductions are factored in. Many employees are surprised by their take-home pay because some lesser-known yet legitimate deductions are either underestimated or completely missed in conventional tools.
Key Monthly Deductions You Shouldn't Ignore
| Deduction Type | Applicability | Typical Monthly Impact |
|---|---|---|
| PF (Provident Fund) | Mandatory if salary includes basic wages | ₹1,800 (standard cap) |
| ESI | For salaries ≤ ₹21,000 | ~₹158 (at 0.75%) |
| PT (Professional Tax) | State-specific slabs | ₹0 to ₹300 |
| TDS/Income Tax | Based on new regime slabs | Varies widely |
| Voluntary Deductions | NPS, Gratuity, Insurance, etc. | Case-specific |
Traditional calculators often only deduct income tax and perhaps PF, but platforms like EPFO make it clear that PF is compulsory for most private employees. Similarly, the Employees’ State Insurance Corporation covers more than 13 crore beneficiaries across India and must be included in salary estimation if applicable.
This is where HR Calcy excels. It not only calculates these deductions but explains them in the results section in a clear, tabular format. Users don’t just get a final number—they understand how that number was reached. For instance, PF contribution is automatically capped at ₹1,800 or 12% of the applicable wage base, whichever is lower. Similarly, Professional Tax is calculated based on state-specific slabs that adjust with changing salary brackets.
The Power of Customisation: Choose Financial Year, State & More
Another unique strength of this in-hand salary calculator is its full flexibility for real-world scenarios. Users can:
- Toggle between Financial Years (2024–25 or 2025–26) to see the tax impact of recent changes.
- Select their state to factor in exact PT deductions.
- Use a salary slider to dynamically test various gross pay levels.
- Instantly update results as inputs change—no page reloads or resubmissions.
This level of control is not commonly available in other tools. For example, if you're working in Gujarat and want to evaluate how your pay will be affected by the new tax slabs in 2025–26, HR Calcy allows you to do so in seconds. The engine is built to reflect evolving tax laws and real-time calculations. That’s why it’s not just an estimation tool—it’s a strategic salary planning assistant.
Practical Scenarios Where In-Hand Salary Insights Matter Most
While most professionals refer to their CTC during salary discussions, the in-hand salary is what truly determines day-to-day budgeting and long-term financial planning. Knowing your exact monthly take-home amount can prevent surprises and empower smarter financial decisions.
During Job Switch or Offer Negotiations
When evaluating job offers, it’s essential to go beyond flashy package numbers. For example, a ₹10 LPA CTC offer from a startup might include stock options, insurance premiums, and bonuses, reducing the monthly in-hand salary significantly compared to a ₹9 LPA offer with minimal deductions from a corporate.
Using a real-time calculator, like the one on HR Calcy, helps candidates understand what they’ll actually take home every month. This becomes especially important when comparing opportunities across different industries or regions.
Budgeting for EMIs and Big Life Goals
Loan eligibility, credit card approvals, and even school fee planning often depend on monthly disposable income. Many financial institutions, including SBI and HDFC Bank, assess net salary (not gross) while processing home loan and car loan applications.
If you're planning to apply for a housing loan and assume your gross salary as eligibility, you may end up with inaccurate expectations. That’s why a detailed understanding of your take-home salary is critical.
Planning Investments or Opting for Old vs. New Tax Regime
A big dilemma for salaried individuals revolves around choosing between the Old Tax Regime (with deductions) and the New Tax Regime (with lower rates but no exemptions). This decision heavily influences in-hand salary, especially when combined with deductions like HRA, LTA, and Section 80C benefits.
A flexible calculator like HR Calcy allows users to toggle between these regimes and instantly see how their in-hand salary is affected. This is crucial for financial year-end planning, and even more helpful when employers allow mid-year regime changes.
Quick Snapshot: Old vs New Tax Impact
| Salary Level (₹/annum) | Old Regime (Net In-Hand) | New Regime (Net In-Hand) |
|---|---|---|
| ₹7,50,000 | ₹56,250 tax (with 80C etc.) | ₹39,000 tax |
| ₹10,00,000 | ₹85,800 tax | ₹75,400 tax |
| ₹15,00,000 | ₹1,21,800 tax | ₹1,12,500 tax |
Note: Figures assume no surcharge and standard deductions; actual tax liability varies.
With this transparent side-by-side comparison built into the calculator, users are empowered to choose what works best for them—not just blindly follow default declarations.
Choosing the Right Tax Regime for Better In-Hand Salary
With the introduction of the new tax regime in India, salaried professionals now face a unique opportunity to optimize their take-home pay. However, the decision between the old and new regimes isn’t straightforward. It varies significantly based on salary structure, investment behavior, housing situation, and eligible deductions.
Understanding the Two Regimes at a Glance
Let’s break down the differences to understand which regime may offer better monthly in-hand returns:
| Key Factor | Old Regime | New Regime |
|---|---|---|
| Tax Rates | Higher (but with deductions) | Lower (no deductions/exemptions) |
| Section 80C Benefits | Available (up to ₹1.5 lakh) | Not Applicable |
| HRA / LTA / Standard Ded. | Fully Allowed | Not Allowed |
| Filing Complexity | Slightly more | Very Simple |
| In-Hand Salary Impact | Lower tax if invested wisely | Higher take-home for non-investors |
This distinction makes calculators with dual regime options particularly helpful. HR Calcy’s in-hand salary calculator gives real-time visibility into how both options affect take-home salary, helping employees make an informed annual declaration.
You can also refer to Income Tax India's calculator to manually compare both regimes, although it lacks the personalization and mobile-friendliness of HR Calcy’s approach.
Factors That Should Influence Your Choice
- Investment Capacity: If you actively invest in ELSS, PF, LIC, or NSC, the old regime often works out better.
- Home Rent & HRA: Individuals staying in rented accommodation benefit more from HRA exemptions under the old regime.
- Simplicity Over Savings: Freelancers or new employees with no deductions often prefer the new regime for simplicity and higher upfront in-hand.
- Annual Bonuses or Performance Pay: Since these are taxed as part of salary, calculators that break them down monthly provide clearer insights for tax planning.
The government’s own Ministry of Finance press release outlines that individuals can switch regimes every financial year (if income is not from business/profession), giving flexibility without locking in long-term.
Incorporating all these variables in one tool is what sets HR Calcy’s calculator apart—it adapts to each individual’s unique financial scenario, rather than offering just static answers.
Customization Options that Truly Empower Employees
What sets HR Calcy apart is not just its accuracy—but its depth of customization. Users aren’t restricted to just entering their gross or CTC amount. Instead, they can break down salary heads, factor in city-specific HRA rules, and simulate both old and new tax regimes in a single click. This makes the in-hand salary calculator ideal not just for salaried employees, but also HR professionals who deal with salary structuring.
Simulate Real-World Scenarios Instantly
Whether you're negotiating a new job offer or planning your monthly budget, having the ability to simulate variations helps users make informed decisions. HR Calcy allows you to:
- Choose between metro and non-metro cities (for HRA calculations).
- Enter specific amounts for EPF, gratuity, and special allowances.
- Preview TDS across both tax regimes before committing to a declaration.
- Add or remove income sources like bonuses, arrears, and incentives.
This not only helps salaried individuals project take-home income but also aligns with payroll practices followed by companies as per Labour Ministry Guidelines.
| Input Field | Purpose | Optional/Editable |
|---|---|---|
| Basic Salary | Base for all calculations (HRA, PF, etc.) | Yes |
| HRA Received | To check exemption under Section 10(13A) | Yes |
| Special Allowances | Fully taxable component | Yes |
| Bonus / Performance Pay | For annual forecasting | Yes |
| EPF Contribution (Employee/Employer) | For accurate deduction view | Yes |
| Regime Selector | Compare Old vs. New instantly | Yes |
These real-time simulations are built on current tax slabs, and deduction rules as notified by Income Tax India. This makes the tool especially helpful during financial year-end planning or while reviewing Form 16.
No Assumptions—Only Realistic Salary Outputs
One of the common complaints with generic calculators is the assumption-based output. Most fail to consider location-specific rules, employer contribution differences, or custom deductions. HR Calcy, on the other hand, keeps full control in the user’s hands.
No mandatory fields, no vague salary bands—users can manually fine-tune each component to reflect their actual payroll scenario. This makes it suitable even for startups, IT firms, public sector employees, and contract staff whose salary structures often deviate from traditional formats.
If your salary varies month-to-month due to shifts, overtime, or commissions, HR Calcy can still provide a monthly average after factoring in those variations. This is a practical and inclusive feature that strengthens its real-world usability.
Conclusion: Maximizing Your Take-Home Pay with HR Calcy
Accurately knowing your in-hand salary helps you budget wisely, negotiate offers confidently, and plan taxes without surprises. HR Calcy’s calculator brings together all Indian salary components—PF, professional tax, ESI, income tax (old and new regimes), cess, bonuses, and arrears—into a single, mobile‑friendly interface. With no login required, you get instant clarity on what really hits your bank account every month, backed by official rules from the Income Tax Department and EPFO.
Get Started – Calculate Your Take-Home Salary Now
Ready to see your net pay in seconds?
- Calculate Instantly: No sign‑up, no ads—just your gross pay and state.
- Compare Tax Regimes: Toggle old vs new and choose what suits you best.
- Simulate Offers: Use the live slider for quick job‑offer comparisons.
- Download Results: Save or share your breakdown with ease.
Try HR Calcy’s In-Hand Salary Calculator Now and take control of your financial planning today.
FAQ
What is an in-hand salary?
In-hand salary is the amount you receive after tax and other deductions from your gross salary. It’s also called take-home pay.
How is in-hand salary different from CTC?
CTC includes all benefits and allowances offered by your employer. In-hand salary is what actually gets credited to your account.
Does this calculator support both old and new tax regimes?
Yes, HR Calcy’s in-hand salary calculator lets you compare results for both old and new tax regimes.
Is the calculator accurate for all Indian states?
Yes, it includes state-specific deductions like professional tax and is tailored for Indian employees across states.
Do I need to sign up to use the calculator?
No sign-up or login is required. You can use it instantly and anonymously from any device.
Can I calculate arrears and bonuses in this tool?
Yes, the calculator allows entry of bonuses, arrears, and other variable pay to show your updated take-home.
Is this calculator mobile-friendly?
Absolutely. It’s designed to work perfectly on mobile devices with fast, user-friendly performance.
Is this tool free to use?
Yes, the in-hand salary calculator is completely free with no hidden charges or ads.
Can I download the salary breakup from the tool?
Yes, you can download or save your salary details for personal use or HR discussions.
Does the calculator work for government employees too?
Yes, it works for both private and government salaried individuals, with customization options available.
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