In-Hand Salary Calculator
Calculate in-hand salary after deductions.
In-Hand Salary Calculator
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Monthly In-Hand
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Annual CTC—
PF (Employee)—
Income Tax—
Net Annual—
Quickly estimate your monthly in-hand salary from CTC or gross package by accounting for statutory and employer-specific deductions.
When to use this calculator
Use it before accepting a job offer, negotiating compensation, or planning monthly expenses after a salary revision.
Monthly in-hand formula
In-hand Salary = Monthly Gross - (Employee PF + TDS + Professional Tax + Other Deductions)
Variable bonus and reimbursements should be modeled separately.
Deductions that affect in-hand
- Provident Fund
- Tax deducted at source (TDS)
- Professional tax in applicable states
- NPS or insurance deductions
- Meal card/transport recoveries if any
Best way to estimate
- Start with fixed monthly gross salary
- Enter monthly deductions conservatively
- Add tax based on annual projection
- Compare in-hand across multiple job offers
- Keep buffer for annual tax true-up
Offer comparison example
Scenario: Offer A monthly gross Rs 1,10,000 with estimated deductions.
Inputs
- PF: Rs 4,800
- TDS: Rs 11,000
- Professional tax: Rs 200
- Other deductions: Rs 1,000
Calculation
- Total deductions = Rs 17,000
- In-hand = 1,10,000 - 17,000 = Rs 93,000
Result: Estimated in-hand salary is Rs 93,000 per month.
Frequently Asked Questions
Actual tax and variable components may be adjusted after joining and during year-end projections.
No, employer PF is part of CTC but not deducted from your gross payout.
Yes, it gives a realistic post-deduction cash figure for planning expenses and savings.
Yes, replace PF/TDS with local social security and withholding taxes.