In-hand Salary Calculator

How much salary will come to my bank every month? Type your CTC and see.

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PF
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Income tax

Type your CTC to see your monthly in-hand salary.

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Questions

What is in-hand salary?

The money that comes into your bank account every month. It is your CTC minus employer PF and gratuity (not paid monthly), your own PF, professional tax and income tax.

Why is in-hand less than CTC ÷ 12?

CTC includes things you don’t get every month – employer PF, gratuity and sometimes bonus. Your PF share, professional tax and TDS (income tax) are also cut.

Which tax regime does it use?

The new regime by default (tax year 2026-27: no tax up to ₹12 lakh taxable income, ₹75,000 standard deduction). Choose “Old” to count HRA, 80C and professional tax.

Is PF 12% of full basic?

Many companies count PF on basic up to ₹15,000 a month (₹1,800 PF). Some count it on full basic. Choose what your offer letter says.

Is this exact?

It is a close estimate. Your company may split salary differently or pay a bonus. Check your offer letter or payslip.