What is in-hand salary?
In-hand salary (also called take-home pay or net salary) is the amount you actually receive in your bank account after all deductions — including PF, professional tax, income tax, and other statutory deductions — are subtracted from your gross salary.
How is salary different from CTC?
CTC (Cost to Company) is the total amount your employer spends on you, including employer PF contributions, insurance, bonuses, and other benefits. Your actual in-hand salary is always lower than CTC because these employer-side costs are deducted.
Does salary differ under the old and new tax regimes?
Your gross salary stays the same, but your net take-home differs. The new regime (2025-26) has lower tax rates but fewer deductions. The old regime allows deductions under 80C, 80D, HRA, etc. Use our Old vs New Regime Calculator to compare which saves you more.
Are these calculators accurate for FY 2025-26?
Yes. All calculators are updated with the latest Union Budget 2025-26 tax slabs, standard deduction limits, and PF rules. We update them promptly whenever government policies change.
Is my salary data safe?
Completely safe. All calculations happen locally in your browser. Your salary figures are never sent to any server, stored in any database, or tracked in any way. Close the tab and all data is gone.
Can I use these for salary negotiation?
Absolutely. Use the CTC to In-Hand Calculator to understand what a CTC offer actually means in terms of monthly take-home. Use the Salary Increment Calculator to model hike scenarios before your appraisal discussion.
Do freelancers need different calculators?
Yes. Freelancers don't have employer-side deductions like PF or professional tax, but they have GST obligations and different tax computation rules. Use the Freelance Income Calculator which accounts for these differences.