In-Hand Salary Calculator

Yearly CTC (₹)

Basic pay (% of CTC)%

Professional tax (₹ a month)

PF on ₹15,000 basic only Gratuity is part of my CTC

Take-home pay every month

₹0

In handTax, PF & other

Based on the income tax slabs in Budget 2025 (FY 2025-26): new regime with ₹75,000 standard deduction and no tax up to ₹12 lakh taxable income; old regime with ₹50,000 standard deduction. Includes 4% cess and surcharge above ₹50 lakh. It's an estimate: check the latest rules or your payslip before you decide.

What is the In-Hand Salary Calculator?

In-Hand Salary Calculator by Assignment Lab is a free online tool. Turn your CTC into monthly take-home pay after PF, professional tax and income tax. Compares the new and old tax regimes.

At a glance

Price: Free. No sign-up, no watermark.
Works on: Phone, tablet and computer, in any modern browser.
Privacy: Runs in your browser. Your text and files are not uploaded.
Made by: Assignment Lab, free tools for students in India.

How to use the in-hand salary calculator

Enter your yearly CTC (cost to company) from your offer letter.
Adjust basic pay, professional tax, PF and gratuity to match your salary slip.
Switch between the new and old regimes. The note tells you which one leaves more money in hand.

Frequently asked questions

Why is my take-home lower than CTC ÷ 12?

CTC includes things you never get as monthly cash: the employer's PF share, sometimes gratuity, plus your own PF, professional tax and income tax deducted every month.

Is salary up to ₹12 lakh tax-free?

Under the new regime from FY 2025-26, taxable income up to ₹12 lakh has zero tax because of the rebate. With the ₹75,000 standard deduction, that is a salary of about ₹12.75 lakh.

Is it free?

Yes. The In-Hand Salary Calculator on Assignment Lab is completely free with no sign-up, and it works right in your browser. Nothing you type or add is uploaded.