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India Salary Calculator Suite

Free salary and tax tools for salaried employees in India. Built for FY 2026-27 with the latest tax slabs and AI-powered benchmarks.

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CTC to In-Hand Calculator

Enter your CTC and get a complete salary breakdown — PF, HRA, tax slabs, take-home pay, and AI tax advice.

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In-Hand to CTC Calculator

Have a target monthly salary in mind? Calculate the exact CTC you need to negotiate to hit that number.

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AI Salary Benchmark

Check market salary ranges for your role, experience, city, and company type using real AI analysis.

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Zero Tax
Up to 12L Income
New Regime 87A rebate makes income up to 12L completely tax-free in FY 2026-27.
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How is In-Hand Salary Calculated in India?

Your in-hand salary is your CTC minus several deductions. For a typical salaried employee in FY 2026-27, the breakdown works like this: Employee PF (12% of basic salary), Professional Tax (2,400 per year), and Income Tax (TDS) are deducted from your gross salary. Employer PF and Gratuity are part of your CTC but never reach your bank account.

Under the New Tax Regime, you get a standard deduction of 75,000 and zero tax on income up to 12 lakh due to Section 87A rebate. This means a 12L CTC employee with PF opted out takes home approximately 94,000 per month with zero income tax. Use our CTC to In-Hand Calculator to get your exact number.

New Regime vs Old Regime - Which is Better for FY 2026-27?

The New Tax Regime for FY 2026-27 offers lower slab rates and a 75,000 standard deduction but no other exemptions. The Old Regime allows deductions under 80C (1.5L), HRA exemption, 80D health insurance, NPS (50K extra), and home loan interest (2L).

New Regime wins if your total deductions are below 3.75L. Old Regime wins if you have heavy investments and a home loan. Our calculator computes both and shows you which regime saves more for your exact numbers.

Frequently Asked Questions

CTC (Cost to Company) includes everything the company spends on you including your salary, Employer PF, Gratuity, and any other benefits. In-hand is what hits your bank account after Employee PF, Professional Tax, and TDS deductions. The gap is typically 15 to 30% of CTC depending on your salary level and tax regime.
Yes, under New Regime FY 2026-27. After 75,000 standard deduction, if your taxable income is 12L or below, Section 87A rebate covers the full tax amount. This applies to most employees with CTC up to approximately 12.75L.
Yes, if your basic salary exceeds 15,000 per month, you can opt out of PF contributions. This increases your monthly in-hand by 12% of basic. Check with your HR as not all companies allow this.
MyInHand uses standard CTC structure assumptions (Basic 50%, HRA 25%, Special Allowance 25%) and official FY 2026-27 tax slabs. Actual in-hand may differ based on your specific employer payroll structure, perquisites, and TDS timing. For exact figures, consult your HR or a CA.
Under the New Tax Regime for FY 2026-27, the standard deduction is 75,000. Under the Old Tax Regime, it remains 50,000. This is automatically applied in our calculator.