# Free In-Hand Salary Calculator

> Calculate your exact take-home salary after all statutory deductions. Free, no sign-up, by Staff Khata.

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.

## Inputs

- Basic Salary (₹/month)
- HRA (₹/month)
- Special Allowance (₹/month)
- Other Allowances (₹/month)
- Tax Regime
- City

## 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.

Use the calculator: https://staffkhata.com/free-tools/in-hand-salary-calculator