In-Hand Salary Calculator
Calculate how much salary you actually receive in your bank account after tax, reimbursements, and deductions.
What this In-Hand Salary Calculator helps you understand
An in-hand salary calculator shows how much money actually reaches your bank account every month after all mandatory deductions. While offer letters and HR discussions focus on CTC, your real financial life depends on take-home pay, not headline numbers.
This calculator bridges that gap by breaking down how different components of salary affect what you finally receive.
How in-hand salary is calculated
The calculation starts with your gross salary and then deducts mandatory components such as employee provident fund (EPF), professional tax, and income tax. These deductions are applied as per current rules and standard salary structures.
In-Hand Salary = Gross Salary − Taxes − Mandatory Deductions
Variable pay, bonuses, and employer-side contributions are treated separately because they do not always translate into monthly cash flow.
Why CTC can be misleading
CTC often includes amounts that you never see in your bank account, such as employer provident fund contributions, insurance premiums, or deferred bonuses. This calculator helps you understand the difference clearly so that you can budget and plan realistically.
How to use this insight
Knowing your true in-hand salary helps you make better decisions around rent, EMIs, lifestyle spending, and investments. It also prevents disappointment after joining a new job or receiving a salary hike.