Salary In-hand Calculator
What this calculator does
Estimates monthly take-home pay for employees in India after common statutory deductions such as employee provident fund (PF), professional tax, and an approximate income tax calculation. It helps you understand net salary from gross figures.
This is helpful when negotiating offers, planning household budgets, or comparing compensation packages across employers with differing allowances and benefits.
Who should use this calculator
- Employees checking take-home pay
- Job applicants evaluating offers
- Freelancers comparing gross vs. net income with basic deductions
It is particularly useful for job seekers comparing offers where components like HRA, conveyance, or performance bonuses affect gross pay differently across employers.
How this calculator works
Enter gross salary and common deduction assumptions. The calculator applies typical employee-side PF rates, professional tax where applicable, and a simplified income tax estimate to produce an approximate net monthly take-home figure. It does not contact external services.
For a closer estimate include known allowances that affect taxation or PF calculation; the tool uses straightforward rules and does not attempt to model every tax deduction option or exemption.
How to interpret the results
Results show an estimated monthly in-hand amount after the common deductions. Use it to assess affordability and compare job offers. Remember some company-specific allowances or tax-saving components may alter the final take-home pay.
This estimate is intended for planning; for payroll-level precision consult your employer's payroll statement or a tax professional as required.
Example
A ₹12,00,000 annual gross salary may result in a monthly take-home of around ₹85,000 after PF and approximate taxes (estimate). Enter your exact components for a tailored result.
Limitations & disclaimer
This is an estimate only and not tax advice. Actual take-home pay depends on company-specific allowances, exemptions, and up-to-date tax rules. Consult payroll or a tax professional for precise calculations.
Salary In-hand (India)
Monthly gross
₹50,000
Employee PF (monthly)
₹6,000
Taxable annual (computed)
₹4,78,000
Estimated tax (monthly)
₹988
In-hand (monthly)
₹43,012
Old vs New regime comparison
How calculations work
All calculations are performed locally in your browser — we do not call any external APIs or send your data anywhere.
Steps we use to compute the in-hand amount
- Gross annual salary: the value you enter is used as the starting point.
- Employee Provident Fund (PF): calculated as (gross / 12) × PF rate (monthly). Annual employee PF = monthly × 12. Employer PF is not deducted from your in-hand here.
- Standard deduction: by default we prefill ₹50,000 and apply it for the old tax regime only in this simplified model.
- Taxable income: computed as gross − standard deduction (if applicable) − annual employee PF. You can override the taxable annual value using the "Override taxable annual" field if you have other claims or deductions.
- Income tax: applied using the shown slab logic (a simplified public slab model for demonstration). After computing base tax we add health & education cess of 4%.
- Monthly tax: annual tax ÷ 12.
- In-hand (monthly): monthly gross − employee PF − professional tax − monthly tax.
Notes: this tool uses a simplified slab model for demonstration and educational purposes. It does not include optional deductions (e.g., 80C, HRA adjustments, investments) unless you manually change the taxable amount. This is not financial or tax advice — consult a tax professional for personalized calculations.