In-Hand Salary Calculator
Turn your monthly gross salary into the take-home pay you'll actually see. Enter your monthly figures below — the calculator handles EPF, professional tax and new-regime income tax for you.
Monthly in-hand salary
₹0
Your take-home pay each month
Annual in-hand salary
₹0
Take-home over 12 months
Monthly EPF deduction
₹0
12% of basic, your share
Monthly income tax
₹0
New-regime TDS estimate, incl. 4% cess
Monthly professional tax
₹0
₹2,500/year estimate, varies by state
Total monthly deductions
₹0
EPF + professional tax + income tax
How this in-hand salary calculator works
Gross salary is what your offer letter shows; in-hand salary is what your bank statement shows. The difference is three statutory deductions: your EPF contribution (12% of basic), professional tax (about ₹2,500 a year, charged by several states), and income tax deducted at source (TDS). This calculator annualises your monthly gross, works out the year's tax under the new regime, and divides everything back into monthly figures — so the monthly tax you see is a smoothed estimate of your TDS.
The formula, step by step
- Annualise: annual gross = monthly gross × 12; annual EPF = 12% × monthly basic × 12.
- Taxable income = annual gross − annual EPF − ₹75,000 standard deduction.
- Income tax on taxable income under the new-regime slabs (0% to ₹4 lakh, 5% to ₹8 lakh, 10% to ₹12 lakh, 15% to ₹16 lakh, 20% to ₹20 lakh, 25% to ₹24 lakh, 30% above), with the Section 87A rebate making tax zero up to ₹12 lakh income, marginal relief just above ₹12 lakh, and 4% health & education cess.
- Monthly in-hand = (annual gross − annual EPF − ₹2,500 professional tax − income tax) ÷ 12.
Worked example
With a monthly gross of ₹80,000 and monthly basic of ₹40,000:
- Annual gross = ₹9,60,000; annual EPF = 12% × ₹40,000 × 12 = ₹57,600
- Taxable income = ₹9,60,000 − ₹57,600 − ₹75,000 = ₹8,27,400
- Slab tax = 5% of ₹4,00,000 + 10% of ₹27,400 = ₹22,740 → fully rebated under 87A, so tax = ₹0
- Annual in-hand = ₹9,60,000 − ₹57,600 − ₹2,500 − ₹0 = ₹8,99,900
- Monthly in-hand = ₹8,99,900 ÷ 12 = ₹74,992 (monthly EPF deduction ₹4,800, professional tax ≈ ₹208)
India-specific notes
- TDS is usually front-loaded or smoothed by your employer's payroll — early months of the financial year can show different deductions than later months as your projected income is reassessed.
- The new regime is the default for FY 2025-26 and FY 2026-27. If you claim HRA exemption or 80C deductions, the old regime may suit you better — compare with the income tax calculator.
- Many employers deduct EPF on full basic even above the ₹15,000/month statutory wage ceiling, and may also deduct voluntary PF if you opted in.
- Bonuses and arrears are typically taxed in the month they're paid, which can make one month's payslip look very different from this average.
Frequently asked questions
What is the difference between gross salary and in-hand salary?
Gross salary is your total monthly pay before deductions. In-hand (take-home) salary is what remains after EPF, professional tax and income tax (TDS) are deducted — typically 80–90% of gross for most salaried employees in India.
How much of my salary goes to EPF?
12% of your monthly basic salary is deducted as your EPF contribution, and your employer adds a matching 12% (part of which goes into the pension scheme, EPS). The calculator deducts only your 12% share from take-home pay.
Does this calculator include income tax?
Yes. It annualises your monthly gross, subtracts EPF and the ₹75,000 standard deduction, computes new-regime income tax for FY 2025-26/FY 2026-27 — including the Section 87A rebate up to ₹12 lakh income, marginal relief and 4% cess — then spreads the result back over 12 months.
Why doesn't my actual payslip match this calculation?
Employers may deduct extras your estimate can't know: voluntary PF, insurance premiums, meal or transport recoveries, professional tax at your state's exact rate, or TDS computed on projected annual income including bonuses. Treat this as a close estimate, not the exact payslip figure.
Can I use this to compare job offers?
Yes — enter each offer's monthly gross and basic to compare take-home pay side by side. Compare the fixed monthly gross rather than CTC, since large variable-pay components can make a CTC look bigger than what it actually pays out.