Free In-Hand Salary Calculator
Calculate your exact take-home salary after all statutory deductions.
Quick answer
In-hand salary = gross monthly salary − employee PF (12% of basic, often capped at ₹1,800) − employee ESI (0.75% if gross is ₹21,000 or less) − professional tax (state slab, up to ₹200–300) − monthly TDS. Under the new tax regime for FY 2025-26 there is no income tax up to ₹12 lakh of taxable income, which with the ₹75,000 standard deduction means salary up to ₹12.75 lakh a year.
Last reviewed November 2026.
How to use the In-Hand Salary Calculator
Fill in these fields and the in-hand salary calculator works out the rest instantly, in your browser:
- Basic Salary (₹/month)
- HRA (₹/month)
- Special Allowance (₹/month)
- Other Allowances (₹/month)
- Tax Regime (New Regime (FY 2025-26) / Old Regime)
- City (Metro City / Non-Metro)
Worked example
With Basic Salary: 50000; HRA: 20000; Special Allowance: 10000; Other Allowances: 5000; Tax Regime: New Regime (FY 2025-26); City: Metro City:
| In-Hand (Net) Salary | ₹83,000/month |
| Gross Monthly Salary | ₹85,000 |
| Annual CTC (Gross × 12) | ₹10,20,000 |
| Employee PF (12% of Basic, max ₹1,800) | − ₹1,800 |
| ESI (Not applicable, Gross > ₹21,000) | − ₹0 |
| Monthly TDS | − ₹0 |
| Professional Tax (Approx.) | − ₹200 |
| Total Deductions | − ₹2,000 |
| In-Hand (Net) Salary | ₹83,000 |
Employer PF and ESI are additional costs borne by the employer. Professional Tax varies by state.
Frequently asked questions
What is the difference between CTC, gross and in-hand salary?
CTC includes everything the employer spends, including employer PF, gratuity and bonuses. Gross is CTC minus employer contributions. In-hand is gross minus employee PF, ESI, professional tax and TDS.
How much is the in-hand on ₹25,000 gross?
With ₹12,500 basic: PF ₹1,500, no ESI (gross is above ₹21,000), professional tax about ₹200 depending on state and no TDS under the new regime, so roughly ₹23,300 a month.
Can Staff Khata do this calculation automatically every month?
Yes. Staff Khata takes attendance from Realtime biometric machines, a rotating QR code or selfie + GPS punches, then works out salary, PF, ESI, advances and payslip PDFs for each employee. Payroll is on the Growth plan at ₹0.50 per employee per day.
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