About the In-Hand Salary Calculator
What is the In-Hand Salary Calculator?
Your in-hand salary depends on which tax regime you choose. This calculator works out take-home pay both ways: the new regime with lower rates and a ₹75,000 standard deduction, and the old regime with HRA exemption, 80C and other deductions.
Enter your rent and investments to see which regime leaves more money in your account each month.
How to use the In-Hand Salary Calculator
- Annual CTC (₹) (sample: 15,00,000)
- Variable Pay in CTC (₹ per year) (sample: 0)
- Basic Pay (% of fixed CTC) (sample: 40)
- Provident Fund (sample: 12% of full basic)
- Professional Tax (₹ per year) (sample: 2,500)
- Rent Paid (₹ per month, for HRA) (sample: 20,000)
- City (sample: Mumbai, Delhi, Kolkata or Chennai (50%))
- 80C Investments besides PF – PPF, ELSS, insurance (₹) (sample: 50,000)
- Other Old-Regime Deductions – 80D, 80CCD(1B), home loan interest (₹) (sample: 25,000)
- Press Compare In-Hand in Both Regimes (results also refresh as you type). The result card shows the Best Monthly In-Hand, along with Better regime, Monthly in-hand – new regime, Monthly in-hand – old regime and Yearly tax – new regime.
Formula used
In-hand = Gross − Employee PF − Professional tax − Tax (lower of the two regimes)
- HRA exemption = least of HRA received, rent − 10% of basic, 50% (metro) or 40% of basic
- 80C = employee PF + your investments, up to ₹1.5 lakh
Tax follows FY 2025-26 rules: under the new regime, taxable income up to ₹12 lakh (₹12.75 lakh of salary) pays no tax.
Worked example
These are the sample values already filled in the calculator above, and the result it returns for them:
| Input | Sample value |
|---|---|
| Annual CTC (₹) | 15,00,000 |
| Variable Pay in CTC (₹ per year) | 0 |
| Basic Pay (% of fixed CTC) | 40 |
| Provident Fund | 12% of full basic |
| Professional Tax (₹ per year) | 2,500 |
| Rent Paid (₹ per month, for HRA) | 20,000 |
| City | Mumbai, Delhi, Kolkata or Chennai (50%) |
| 80C Investments besides PF – PPF, ELSS, insurance (₹) | 50,000 |
| Result | Value |
|---|---|
| Best Monthly In-Hand | ₹1,03,573 |
| Better regime | New regime – saves ₹41,362 a year |
| Monthly in-hand – new regime | ₹1,03,573 |
| Monthly in-hand – old regime | ₹1,00,126 |
| Yearly tax – new regime | ₹81,766 |
| Yearly tax – old regime | ₹1,23,128 |
| HRA exemption used (old regime) | ₹1,80,000 |
Tips for using the In-Hand Salary Calculator
- Salaried employees can switch regimes every year when filing their return.
- Tell your employer your chosen regime at the start of the year so TDS is right.