In Hand Salary Calculator
TL;DR: Your in-hand salary is what reaches your bank account after deducting PF, professional tax, and income tax from your CTC. Use our CTC to in-hand salary calculator above to estimate your take-home figure based on the inputs and assumptions used by the calculator.
Last updated: July 2026. Tax examples on this page should be reviewed against the applicable assessment year or tax year before use.
What Is Salary Calculator?
A salary calculator estimates your in-hand or take-home salary from your CTC or gross salary after deductions such as employee PF, professional tax, income tax/TDS, and other payroll deductions. It helps compare monthly and yearly salary outcomes based on the salary inputs and assumptions used.
The calculator can show an estimated breakup of basic salary, HRA, other allowances, provident fund, professional tax, total deductions, net salary, income tax and net salary after tax. Your final salary may vary depending on your employer's salary structure, declarations, payroll deductions and applicable tax rules.
How to use a Salary Calculator?
The process to use the salary calculator is quick and simple. Follow the three steps given below:
Step 1: Choose if you want to calculate monthly or yearly salary.
Step 2: Enter the gross salary and total bonus amount to determine Cost to Company (CTC).
Step 3: Input the basic salary percentage of the CTC.
The calculator may consider the basic salary as 50% of the CTC by default. You may change it as per your need.
Once you enter the required details, the calculator will instantly provide the following information.
- Basic Salary
- HRA
- Other Allowances
- Provident Fund
- Professional Tax
- Total Deductions
- Net Salary
- Income Tax
- Net Salary Post Tax
Jupiter's Salary Calculator tool can also help you calculate salary per month. Just toggle the 'Yearly/Monthly' option to 'Monthly'.
Components of Your Salary Slip
In every professional field, employees get paid at the end of the month by their employers. This payment is called the salary. The amount they receive is usually mentioned in their contract as well as the pay slip.
The salary has many components that may vary among different employers. Below is a list of the most common breakdown of the salary structure.
1. Basic salary
It is a part of the Cost to Company (CTC) that the employers pay to the employees for their services. The basic salary is generally around 40% to 50% of your total salary. There is no formula to calculate this amount. It depends on factors like the industry, employee designation, and much more.
2. House Rent Allowance (HRA)
House Rent Allowance (HRA) is a salary component employers may provide to employees who rent their home. The HRA paid by an employer is not automatically 40% or 50% of salary; those percentages are used while calculating the tax-exempt portion of HRA.
For HRA exemption, the eligible amount is generally the least of: actual HRA received, rent paid minus 10% of salary, or 50% of salary for metro cities and 40% for non-metro cities. Salary for this purpose generally includes basic salary, dearness allowance if applicable, and commission based on turnover.
HRA tax exemption is covered under Section 10(13A) of the Income-tax Act, 1961. For a simple explanation, read Jupiter's guide on HRA in salary. You can also refer to the Income Tax Department's official Section 10 page for the legal text.
3. Leave Travel Allowance (LTA)
Employers pay this benefit for you and your family's domestic travel expenses during a holiday. The allowance only covers railway ticket prices and airfares. Section 10(5) of the Income Tax Act, 1961 offers tax exemption on the LTA amount for up to two holidays in a four-calendar-year block. You need to submit proof of travel to receive the tax benefit.
4. Special Allowance
This is a fixed amount your employer may pay above your basic salary. The Special Allowance varies among companies as it depends on multiple factors. Moreover, it is fully taxable.
5. Bonus
Bonus is a component of the gross salary that the employers may pay as a performance encouragement. The entire bonus amount is fully taxable.
6. Employee Provident Fund (EPF)
It is generally a mandatory savings scheme. You need to pay 12% of your basic salary as an EPF contribution. Moreover, your employer matches your contribution and invests the same amount in your EPF account. Your contribution is tax-deductible up to ₹1.5 lakhs under Section 80C of the Income Tax Act, 1961.
The employer's contribution to EPF is a part of the CTC, and it does not appear on the salary slip.
Salary Calculation Formula
As the salary calculations involve various components, you need to use different formulas to calculate each aspect. Only then you can estimate your take-home salary. Here are some important salary calculation formulas that you must know.
Take-home salary = Gross salary - employee PF - professional tax - income tax/TDS - other employee-side deductions
Gross salary = Basic salary + HRA + allowances + bonus + other taxable salary components
Taxable salary depends on the tax regime selected and the deductions or exemptions allowed for that year. Under the old regime, eligible exemptions and deductions such as HRA, LTA, 80C, 80D and standard deduction may reduce taxable income. Under the new regime, most common deductions and exemptions are restricted, but specified deductions such as standard deduction may apply.
How to Calculate Monthly Take-Home Salary?
Your monthly take-home salary is the amount that remains after subtracting employee-side deductions such as employee PF, professional tax, income tax/TDS and any other payroll deductions from your gross salary.
For FY 2025-26 / AY 2026-27, salaried taxpayers should compare both the new and old tax regimes because the allowed deductions and slab rates are different.
New Tax Regime Slabs for FY 2025-26 / AY 2026-27
| Taxable income | Tax rate |
|---|---|
| Up to ₹4,00,000 | Nil |
| ₹4,00,001 to ₹8,00,000 | 5% |
| ₹8,00,001 to ₹12,00,000 | 10% |
| ₹12,00,001 to ₹16,00,000 | 15% |
| ₹16,00,001 to ₹20,00,000 | 20% |
| ₹20,00,001 to ₹24,00,000 | 25% |
| Above ₹24,00,000 | 30% |
First, tax is calculated using the slabs above. So income between ₹8 lakh and ₹12 lakh falls in the 10% slab. However, if you are eligible and your taxable income is up to ₹12 lakh under the new regime, the rebate under Section 87A can reduce your final tax payable to zero. For salaried taxpayers, this can effectively cover salary income up to ₹12.75 lakh after the standard deduction of up to ₹75,000, subject to applicable rules and income type.
Example: Monthly Take-Home Salary on ₹10,00,000 Gross Salary
Assume annual gross salary of ₹10,00,000, basic salary at 50% of gross salary, employee PF at 12% of basic salary, and professional tax of ₹2,400 per year.
- Basic salary: ₹10,00,000 × 50% = ₹5,00,000
- Employee PF: ₹5,00,000 × 12% = ₹60,000
- Professional tax: ₹2,400
- Estimated income tax under the new regime: Nil after rebate, assuming no special-rate income and taxable income within the rebate limit
Estimated annual take-home salary: ₹10,00,000 - ₹60,000 - ₹2,400 = ₹9,37,600
Estimated monthly take-home salary: approximately ₹78,134
This is an illustration. Actual in-hand salary can change based on employer salary structure, state-wise professional tax, employee and employer PF treatment, deductions, declarations, reimbursements, bonuses and the tax regime selected.
How to Calculate Take Home Salary After Taxes?
To calculate take-home salary after taxes, first identify the gross salary and employee-side deductions. Then estimate taxable salary under the selected tax regime and subtract the applicable income tax or TDS from net salary.
New regime: most common exemptions and deductions such as HRA, LTA, 80C and 80D are restricted, but salaried taxpayers can generally consider standard deduction where applicable.
Old regime: eligible exemptions and deductions such as HRA, LTA, 80C, 80D and standard deduction may reduce taxable income, but the slab rates are different.
Because salary structures vary widely, use the calculator above for an estimate and verify your final TDS or tax outgo with your employer's payroll team or a qualified tax professional.
How to Calculate Gratuity?
Gratuity = (Basic Salary + Dearness Allowance) × 15 × (Years of Service) ÷ 26
- Gross Salary = ₹1,000,000
- Basic Salary = 50% of Gross Salary = ₹500,000
- Dearness Allowance (DA) = ₹0 (Assumed)
- Years of Service = 20 years
Calculation:
Basic Salary = ₹500,000 (50% of ₹1,000,000)
Dearness Allowance (DA) = ₹0 (Assumed DA is not applicable)
Total of Basic Salary + DA = ₹500,000 + ₹0 = ₹500,000
Gratuity Calculation:
Gratuity
=
(500,000) × 15 × 20
26
=
( 500,000 × 300 )
26
=
150,000,0000
26
=
Benefits of Salary Calculator in India
Quick Results: Jupiter's salary calculator shows take-home pay within seconds.
Tracks Changes: It helps you understand changes in your salary when you receive bonuses or deductions.
Clear Breakdown: The calculator gives a clear view of each part of your salary, including all amounts and deductions.
Budgeting Help: By estimating your take-home pay after taxes, the calculator is useful for planning monthly expenses and savings.
Supports Decisions: When considering a job offer or a raise, the calculator adjusts to show your new salary structure, helping you make informed choices about income, cost of living, and taxes.
Negotiation Tool: With a breakdown of gross and net pay, the calculator is helpful during salary discussions to make sure offers match your needs.
Detailed Deductions: Jupiter's CTC calculator also provides details on monthly and yearly deductions, plus contributions toward EPF from both you and your employer.
Some commonly searched salaries (CTC to In-Hand Salary)
Whether you are evaluating a new offer or planning your monthly budget, knowing your CTC to in-hand salary conversion gives you a clearer picture of what actually lands in your account. The figures below are estimates based on standard deductions under the old tax regime. Actual in-hand amounts may vary depending on your employer's salary structure, the city you work in, and the tax regime you choose. Use Jupiter's in hand salary calculator to get a personalised breakdown in seconds.
Please note that this is just for informational purposes only.
Assumptions for the above table
- The figures are broad estimates for quick comparison, not guaranteed payroll outputs.
- Actual in-hand salary can vary based on employer salary structure, PF treatment, professional tax, bonuses, reimbursements, city, declared deductions and selected tax regime.
- Use the calculator above to estimate your salary with your own CTC, bonus, basic salary percentage and tax regime.
LPA full form — LPA means Lakh Per Annum. It is one of the most commonly used term in Indian employment scenario to calculate the salary of an individual per annum.
FAQs related to salary calculator
1. What do I need to know to use the salary calculator?
You should only know your gross salary and total bonus. Once you provide the data, the calculator will show the other relevant salary components in no time.
2. How does the calculator determine the basic pay?
It calculates the basic salary as a percentage of the CTC. You may change the percentage based on your requirements.
3. Can I find the TDS on the salary calculator?
The salary calculator estimates income tax based on the inputs and assumptions used. Your actual TDS can vary based on employer payroll, declarations, deductions, bonuses and the tax regime selected. You can usually find the final TDS deducted on your salary slip or Form 16.
4. Does the salary calculator show the deductions?
Yes, the calculator shows estimated professional tax, provident fund and total deductions based on the values entered. Treat the output as an estimate because actual payroll deductions can vary by employer, state, salary structure and declarations.
5. How much gratuity amount is deducted from salary?
Gratuity is generally an employer-side benefit or CTC component, not a monthly deduction from the employee's in-hand salary. Employers may provision it as part of CTC, and eligibility/payment depends on applicable gratuity rules and tenure.
6. What are the main components of salary structure?
The main components of a salary structure include basic salary, HRA, DA, conveyance, medical allowance, special allowance, provident fund, professional tax, and bonuses.
7. Does CTC include PF?
Yes, CTC (Cost to Company) typically includes PF (Provident Fund) as part of the total compensation package, along with other benefits like bonuses and allowances.
8. How do I know the break-up of my salary?
You can find the breakdown of your salary on your salary slip or pay statement, which typically lists components like basic salary, allowances, deductions (e.g., PF and taxes), and bonuses. Your HR department can also provide detailed information.
9. How much is 4.5 LPA per month?
At 4.5 LPA, gross monthly salary is ₹37,500 before deductions. Your in-hand amount will usually be lower after PF, professional tax and any other payroll deductions. The final number depends on employer salary structure and tax regime, so use Jupiter's in-hand salary calculator above for a personalised estimate.
How much is 36 LPA in hand salary per month?
At 36 LPA, gross monthly salary is ₹3 lakh before deductions. In-hand salary can vary significantly based on basic salary percentage, PF, professional tax, bonuses, deductions and the tax regime selected. Use the calculator above to estimate the monthly figure for your salary structure.
What is the in-hand salary for 2 lakh per annum?
At ₹2 lakh per annum, gross monthly salary is about ₹16,667 before deductions. Income tax is generally nil at this income level for resident individuals under both regimes, but in-hand salary can still vary because of PF, professional tax and employer-specific deductions.
How is CTC different from in-hand salary?
CTC (Cost to Company) is the total annual expense your employer bears, including employer PF, gratuity, insurance, and other perks. In-hand salary is the net amount credited to your bank account after all statutory and voluntary deductions. Use a ctc to in-hand salary calculator to see the exact breakup.
What percentage of CTC is in-hand salary in India?
Typically, in-hand salary is 60–70% of CTC for most salaried professionals in India. The gap comes from employer PF contribution, gratuity provisioning, professional tax, and income tax (TDS). Higher CTC brackets may see a lower percentage due to progressive tax slabs.
What deductions are made from CTC to arrive at in-hand salary?
Key deductions may include employee PF, professional tax, TDS based on your taxable income, and voluntary deductions such as NPS or insurance premiums. The calculator estimates common deductions such as PF, professional tax and income tax based on its inputs; your actual payroll can include additional employer-specific items.
How much is 10 LPA in hand salary per month?
At 10 LPA, monthly in-hand salary ranges from ₹65,000–72,000 under the Old regime to ₹68,000–75,000 under the New regime, depending on your investment declarations and PF contribution. The in hand salary calculator above gives you a precise breakup for your situation.
Does the new tax regime affect my in-hand salary?
Yes. The new tax regime can change your in-hand salary because it uses different slab rates and allows fewer common deductions and exemptions than the old regime. Salaried taxpayers should compare both regimes using current-year assumptions, including standard deduction, professional tax, PF, TDS and any eligible employer-side deductions.