In-Hand Salary Calculator (India)
This in-hand salary calculator estimates your net take-home pay in India after income tax and cess, under either the new or old tax regime. Enter your annual gross salary and pick a regime to see your estimated monthly and annual in-hand figure.
Your salary before income tax — excludes employer PF and other CTC components not paid to you directly.
The new regime has lower rates and a bigger standard deduction, but no 80C/HRA/LTA exemptions.
In-hand salary (monthly)
₹83,333
Your estimated monthly take-home pay after income tax and cess.
How to use this in-hand salary calculator
- 1Annual gross salary: the salary actually paid to you before income tax — not your full CTC, which can include employer PF and other components you don't receive directly.
- 2Tax regime: the new regime (default since FY 2023-24) has lower slab rates and a ₹75,000 standard deduction but no 80C, HRA or LTA exemptions. The old regime has higher rates but lets those exemptions reduce your taxable income.
Understanding your results
In-hand salary (monthly) is your headline number — gross salary minus income tax and 4% health and education cess, divided by twelve. The tax figure already accounts for the regime's standard deduction and the Section 87A rebate, which brings tax to zero below a threshold in each regime (₹12,00,000 taxable income for the new regime, ₹5,00,000 for the old).
The formula
In-hand = Gross salary − Income tax − 4% cessTaxable income is gross salary minus the regime's standard deduction (₹75,000 new, ₹50,000 old). If that's at or below the regime's Section 87A rebate ceiling, tax is zero. Otherwise, tax is calculated across the regime's progressive slabs, then a 4% health and education cess is added on top of the slab tax — the cess applies to the tax amount, not to your income directly.
A worked example
A ₹10,00,000 gross salary under the new regime: taxable income is ₹9,25,000 after the ₹75,000 standard deduction, which is below the ₹12,00,000 rebate ceiling, so tax is ₹0 — the full ₹10,00,000 is in-hand, or about ₹83,333 a month. The same salary under the old regime has ₹9,50,000 taxable income (above the ₹5,00,000 rebate ceiling): slab tax works out to roughly ₹1,02,500, plus 4% cess (₹4,100), for about ₹1,06,600 total tax — leaving roughly ₹8,93,400 in-hand, or about ₹74,450 a month, before counting any 80C/HRA exemptions the old regime allows.
Notes for the UK, US and India
This calculator models India's central income tax and cess only. It deliberately excludes employee PF contributions and state professional tax (up to roughly ₹2,500/year, varies by state) from the in-hand figure — see the FAQ below for why. The old-regime figure shown is a ceiling, since it doesn't apply any 80C, HRA or LTA exemptions, which most old-regime filers actually claim.
Frequently asked questions
Is this exact?+
No — treat it as a planning estimate. It uses current CBDT slab rates and the Section 87A rebate, but excludes employee PF contributions, professional tax, and — for the old regime — 80C/HRA/LTA exemptions, all of which affect your real in-hand figure. Check your payslip for the exact number.
Why isn't PF (Provident Fund) deducted here?+
Employee PF is usually a fixed 12% of basic pay deducted before you receive your salary, but 'basic pay' varies by company structure and isn't something this calculator can infer from a single gross-salary number — so it's left out, and your real bank credit will be lower than the figure shown here by your PF contribution.
New regime or old regime — which shows more in-hand salary here?+
It depends on your income and, in reality, on how many exemptions you'd actually claim under the old regime. This calculator shows the old regime's tax without any 80C/HRA/LTA exemptions applied, so for most salaried filers who do claim those, the real old-regime in-hand figure would be higher than shown.
What is the Section 87A rebate?+
A rebate that brings your tax bill to zero if your taxable income (after the standard deduction) is at or below ₹12,00,000 under the new regime, or ₹5,00,000 under the old regime. Above those thresholds, tax is calculated normally from ₹0 using the regime's slabs — there's no partial rebate.
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