About In-Hand Calculator
Salary packages are presented as CTC. Employees care about the amount that reaches their bank account. This site exists to close that gap honestly.
Every Indian offer letter leads with a number that nobody is actually paid. CTC is a real figure. It is genuinely what you cost your employer, but between it and your bank account sit employer contributions you never touch, provisions against payments you may never receive, your own provident fund, a state levy that varies by where you sit, and income tax.
Most calculators handle that by applying a percentage. This one works through it properly, and shows you the working.
What we do differently
Assumptions are visible and editable
Any CTC-to-in-hand calculation has to assume a salary structure. The usual approach is to bury those assumptions and present the output as an answer. Here they are printed on screen next to the result, and every one of them can be changed: how much of the package is Basic, whether PF is capped at the statutory wage, whether the employer's contribution sits inside the CTC, how much is variable pay.
That matters because those choices move the monthly figure by thousands of rupees, and they are decided by your employer's payroll policy rather than by anything universal.
The working is shown
Every result has a "Show the tax calculation" panel: taxable income, tax band by band, rebate, surcharge, cess. If you disagree with the number, you can see exactly where we and you diverge.
Rules are researched from primary sources
Tax slabs, the provident fund ceiling, gratuity rules and state professional tax rates are taken from the authorities that issue them, not from other calculators. Where we could not verify a rule to our own satisfaction, we leave it out and say so rather than guessing, which is why several states show "Professional Tax not included" instead of a plausible-looking number.
The sources page lists what each figure rests on.
Nothing is collected
The calculator runs in your browser. There is no account, no login, no salary submission, no database and no backend to send anything to. We do not need to know who you are to divide a number, and we are not interested in building a salary dataset out of visitors.
A narrow topic
This site covers salary, payroll deductions and the tools directly adjacent to them. It is not a personal finance portal, and it is not going to start recommending mutual funds. Doing one subject properly is more useful than doing twelve badly.
Who runs it
Divya Akash Dutta builds and publishes it. There is no editorial team. When this site says "we", it means one person and the sources listed. More on the author page.
Limits worth stating
This is a calculator, not tax advice. It models ordinary salary income for a resident individual. It does not handle capital gains, business income, foreign income, RSUs or anything that needs a return rather than a payslip. Your employer's payroll and your own filing take precedence over anything shown here.
If you find something wrong, the corrections policy explains how to report it and what happens next.