India In-Hand Salary Calculator
Estimate India in-hand salary from annual gross, PF, and income tax slab assumptions.
Regional Rule Context
India Rates and Rules
Tax Rates
Exemptions
- -Standard deduction: Rs 50,000 (new regime)
- -Employee PF: 12% of basic salary
- -Health and education cess: 4% on tax
Enter Values
Result
Enter values above and click Calculate to see your result.
AI Assistant
Ask about this calculator
I can help you understand the india in-hand salary calculator formula, interpret your results, and answer follow-up questions.
Try asking
India in-hand salary calculator for FY 2025-26 (new tax regime). CTC includes employer PF, gratuity, and insurance, which are not in your paycheck. Employee PF (12% of basic) is deducted from gross. New regime brackets: 0% up to Rs 3L, 5% (3-6L), 10% (6-9L), 15% (9-12L), 20% (12-15L), 30% above 15L. Plus 4% cess. Standard deduction Rs 50,000.
Disclaimer: This calculator uses publicly available rules effective as of Jan 1, 2025 (version 1.0). Results are for informational purposes only. Always verify with official sources or a qualified professional. Last reviewed: Mar 1, 2026.
Formula
Uses PF deduction plus slab-based income tax and 4% cess for a planning-level in-hand estimate.
India FAQs
What is in-hand on 12 LPA CTC?
On Rs 12,00,000 CTC: employer PF ~Rs 1,08,000, gratuity ~Rs 57,692, leaving gross ~Rs 10,34,308. Employee PF ~Rs 1,08,000, income tax ~Rs 54,600 (new regime), cess ~Rs 2,184. Monthly in-hand approximately Rs 72,000.
What is the difference between CTC and in-hand?
CTC (Cost to Company) includes employer PF (12%), gratuity (4.81%), insurance, and other benefits. Gross salary is CTC minus employer contributions. In-hand (net) is gross minus employee PF (12%) and income tax. Typically in-hand is 65-75% of CTC.
Which is better, old or new tax regime?
New regime is better if you claim few deductions. Old regime may be better if you have significant HRA, 80C investments (Rs 1.5L), home loan interest (Rs 2L), NPS (Rs 50K), and other deductions totaling Rs 3L+. Compare both before choosing.
What is the 4% cess?
A 4% Health and Education Cess is applied on the total income tax amount (not on income). On Rs 50,000 tax, cess = Rs 2,000. It funds healthcare and education programs and cannot be avoided.
Is PF deducted from my in-hand?
Yes. Employee PF (12% of basic salary, capped at Rs 15,000 basic for some) is deducted before you receive your in-hand salary. Employer matches this 12% separately. PF earns approximately 8.15% tax-free interest annually.
What is professional tax?
A state-level tax of up to Rs 2,500 per year deducted by employers in most states (Maharashtra, Karnataka, West Bengal, etc.). Some states like Delhi and Rajasthan do not charge it. It is a small but mandatory deduction from salary.
How do I maximize my in-hand salary?
Under new regime: limited options (standard deduction Rs 50,000, employer NPS Rs 50,000). Under old regime: maximize 80C (Rs 1.5L via ELSS, PPF, EPF), claim HRA if renting, home loan interest (Rs 2L), NPS (additional Rs 50K under 80CCD), and medical insurance (Rs 25K-50K under 80D).
Can I embed this India In-Hand Salary Calculator on my website?
Yes. Click the "Embed" button at the top of this page to customize the size, colors, and theme, then copy the iframe code. Paste it into any HTML page, WordPress site, or CMS. It is completely free, requires no signup, and works on all devices. You can also visit our embed guide at calculory.com/services/embed-calculators for more details.
AI Assistant
Ask about this calculator
I can help you understand the india in-hand salary calculator formula, interpret your results, and answer follow-up questions.
Try asking
Secure and Private
All calculations run locally. Your tax data never leaves your browser.
Verified Precision
Accurate Tax Calculations Powered by Calculory AI