Use this In-Hand Salary Calculator to instantly compute your monthly and yearly take-home pay after EPF, Professional Tax, TDS and other deductions. Quick, accurate and India-specific.
In-Hand Salary Calculator (India)
Use this easy In-Hand Salary Calculator to estimate your monthly and yearly take-home pay after common deductions like EPF, Professional Tax, TDS and others. Ideal for employees in India who want a quick salary slip style summary.
What is this calculator?
This In-Hand Salary Calculator estimates the net amount you receive in your bank account after common payroll deductions. It accepts monthly gross salary and common deductions (EPF, Professional Tax, TDS, and other deductions) and returns both monthly and yearly take-home pay and a breakdown of deductions.
Why this calculator is useful
Many employees receive a gross salary figure but are unsure what their actual monthly cash in hand will be. This calculator helps you:
- Understand the difference between gross and net salary.
- Plan monthly budgets and savings.
- Compare job offers (gross vs take-home).
- Visualize where deductions are going (EPF, TDS, etc.).
Quick facts
Key facts to keep in mind:
- EPF (Employee Provident Fund) is normally 12% of basic salary for most salaried employees (employer also contributes separately).
- Professional Tax varies by state (commonly ₹200/month or less).
- TDS depends on taxable income, exemptions and chosen tax regime — the calculator accepts manual TDS input unless you enable auto-tax calculation.
- Use the calculator for a quick estimate; exact tax liability requires a full tax computation including exemptions, 80C deductions, and any other allowances.
Real-life examples
Example 1 — Typical IT employee:
Monthly Gross: ₹50,000 • EPF: ₹1,800 • PT: ₹200 • TDS: ₹2,500 • Other: ₹0
Monthly In-Hand: ₹50,000 − (₹1,800 + ₹200 + ₹2,500) = ₹45,500
Yearly In-Hand: ₹45,500 × 12 = ₹5,46,000
Example 2 — Entry level with few deductions:
Monthly Gross: ₹25,000 • EPF: ₹1,500 • PT: ₹0 • TDS: ₹0 • Other: ₹200
Monthly In-Hand: ₹25,000 − (₹1,500 + ₹200) = ₹23,300
Yearly In-Hand: ₹23,300 × 12 = ₹2,79,600
How to use this calculator
Follow these simple steps:
- Enter your Monthly Gross Salary (or choose Annual if available).
- Enter monthly deduction amounts: EPF, Professional Tax, TDS (if known) and any Other Deductions.
- Click Calculate to see monthly and yearly in-hand salary, plus a detailed breakdown and visual chart.
- Use the Reset button to clear inputs and run a new scenario. Optionally, export the salary slip as PDF/CSV if that feature is enabled.
Why use this calculator (benefits)
This tool is helpful when you want to:
- Evaluate a job offer by comparing take-home figures.
- Draft a monthly budget, set savings goals, or plan EMI affordability.
- Check whether payroll deductions are as expected (spot errors early).
Short background / history
Payroll deductions like EPF and Professional Tax have long existed in India as part of statutory and state rules. Tools such as in-hand salary calculators emerged to help employees quickly compute net pay without manual math. Modern calculators incorporate tax regimes and provide exportable salary slips for record keeping.
Formulas used
All formulas below assume monthly inputs. If you enter annual values, the calculator converts them to monthly by dividing by 12.
Monthly totals
Total Deductions (monthly) = EPF + Professional Tax + TDS + Other DeductionsMonthly In-Hand = Monthly Gross − Total DeductionsYearly Gross = Monthly Gross × 12Yearly In-Hand = Monthly In-Hand × 12
Salary slip style output (example)
Below is the sample salary slip that the calculator can generate:
| Component | Monthly | Yearly |
|---|---|---|
| Gross Salary | ₹50,000 | ₹6,00,000 |
| EPF | ₹1,800 | ₹21,600 |
| Professional Tax | ₹200 | ₹2,400 |
| TDS | ₹2,500 | ₹30,000 |
| Other Deductions | ₹0 | ₹0 |
| In-Hand Salary | ₹45,500 | ₹5,46,000 |
Tips
- If you don’t know TDS, run the calculator with TDS = 0 to see gross take-home, then update once you know the TDS figure.
- For accurate tax estimates, include 80C investments, home loan interest, and other exemptions — or use the advanced tax calculation mode (if available).
- Use the Export (PDF/CSV) option to save a record of the salary slip for loans or personal bookkeeping.
Frequently Asked Questions (FAQ)
How is EPF calculated?
EPF (Employee Provident Fund) contribution is typically 12% of basic salary for the employee’s share in many organizations. Employers often contribute a similar amount, with some employer portion going to EPS. Your payslip or HR can confirm exact amounts.
Is Professional Tax applicable to every state?
No. Professional Tax rules vary by state in India. Many states have monthly caps (commonly ₹200), and some categories (students, retirees) may be exempt. Check your state’s rules or payroll statement.
Can this calculator compute TDS automatically?
The basic calculator accepts manual TDS input. For automatic TDS calculation you need an advanced mode that considers tax slabs, exemptions (80C, HRA), rebate and the chosen tax regime (old or new).
Why is my take-home negative?
If deductions exceed your gross salary the result may show negative — in that case check your input values. Deductions should be realistic monthly amounts; enter yearly values divided by 12 when necessary.
Disclaimer
This calculator provides estimates only and should not be used as a substitute for professional tax or legal advice. For official tax liability or payroll disputes, consult a qualified tax professional or your employer’s payroll department. The site is not responsible for decisions made using these estimates.