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In-hand salary calculator for India

Your in-hand (take-home) salary is what lands in your bank each month after every statutory deduction. This tool computes it exactly — not with approximations, but through the same slab, rebate, surcharge, and cess rules the Income-tax Act prescribes.

Calculate my in-hand salary

What it means

In-hand salary = monthly gross earnings minus employee provident fund, professional tax, and income tax (TDS). It excludes employer-side contributions, which are part of CTC but never paid to you directly.

The formula

Monthly in-hand = (Gross − Employee PF − Professional tax − Income tax) ÷ 12

Gross is your CTC minus employer contributions. Employee PF is 12% of basic. Professional tax is a small state levy (capped at ₹2,500/year by Article 276). Income tax follows the slabs of your chosen regime after the standard deduction (₹75,000 in the new regime).

Worked example

  • CTC ₹12,00,000 → gross about ₹11.1L after employer PF and gratuity.
  • New regime FY 2026-27: standard deduction ₹75,000; the Section 87A rebate makes tax zero up to ₹12L taxable income.
  • Result: roughly ₹86,000–₹88,000 in hand per month depending on state and structure.

How to use it

  1. 1Enter CTC. Annual cost-to-company from your offer or payslip.
  2. 2Set your state. Professional tax varies by state; pick yours.
  3. 3Choose regime. New regime is the default; switch to old if you claim HRA, 80C, or home-loan interest.
  4. 4Read monthly figures. The result shows monthly in-hand with a full audit trail.

Frequently asked questions

What is a good in-hand percentage of CTC?

Typically 70–80% for salaries under ₹15L and 60–70% above that, as income tax becomes the dominant deduction. Structures heavy on employer NPS or gratuity reduce the percentage further.

Is 20 LPA in-hand around ₹1.4 lakh per month?

Approximately, yes — on a standard structure under the new regime for FY 2026-27, 20 LPA yields roughly ₹1.35–1.45 lakh monthly depending on state and exact structure. See the 20 LPA guide for the full working.

Do bonuses count in in-hand salary?

Bonuses are taxable earnings paid when declared, so they raise annual in-hand but usually not the fixed monthly amount. This calculator spreads annual figures evenly for comparison.

Related tools & guides

Calculations on this site are based on official government provisions and should be verified against the latest government publications (incometax.gov.in).