In-Hand Salary Calculator 2025
Calculate your exact take-home salary from gross monthly salary. See all deductions including PF, ESI, Professional Tax, and estimated TDS. Free net salary calculator for Indian employees.
1Enter your details
Total salary before any deductions (Basic + HRA + allowances)
Typically 40–50%. Check your salary slip.
2Your results
Fill in the inputs and click Calculate
Results will appear here
How to Use This Calculator
- 1
Enter Gross Monthly Salary
Input your gross monthly salary (total earnings before any deductions). This is different from CTC.
- 2
Enter Basic Salary Percentage
Enter what percentage of gross is your basic salary (typically 40-50%). This affects PF calculation.
- 3
Click Calculate
Get instant breakdown of all deductions and your exact in-hand salary.
Understanding In-Hand Salary in India
What is In-Hand Salary?
In-hand salary (also called net salary or take-home salary) is the amount that gets credited to your bank account after all deductions from your gross salary. These deductions include statutory contributions like Provident Fund, ESI, Professional Tax, and Income Tax (TDS).
Gross Salary vs In-Hand Salary
Gross Salary = Basic + HRA + Special Allowance + Other Allowances
In-Hand Salary = Gross Salary - PF - ESI - Professional Tax - TDS
Typically, in-hand salary is 80-90% of gross salary for lower income brackets and 65-75% for higher income brackets due to higher tax liability.
Common Deductions from Salary
- Provident Fund (PF): 12% of basic salary (max ₹1,800/month if basic exceeds ₹15,000)
- ESI: 0.75% of gross salary (only if gross ≤ ₹21,000/month)
- Professional Tax: ₹200-250/month depending on state
- TDS: Income tax deducted based on your tax slab and declared investments
Frequently Asked Questions
In-hand salary = Gross Salary - PF (12% of basic) - ESI (0.75% if applicable) - Professional Tax (₹200/month) - TDS (Income Tax). The exact amount depends on your salary structure and tax bracket.
Gross salary is your total monthly earnings before any deductions (Basic + HRA + Allowances). In-hand salary (net salary/take-home) is what you actually receive in your bank after deductions like PF, ESI, Professional Tax, and Income Tax.
Common deductions: Employee PF (12% of basic, max ₹1,800/month), ESI (0.75% if gross ≤ ₹21,000/month), Professional Tax (₹200/month, varies by state), TDS (Income Tax as per slab and declared investments).
Employee PF contribution is 12% of basic salary. If your basic exceeds ₹15,000/month, PF is capped at ₹1,800/month (12% of ₹15,000) unless your company opts for PF on full basic.
ESI (Employee State Insurance) is deducted only if your gross monthly salary is ₹21,000 or less. Employee contribution is 0.75% of gross salary. Above ₹21,000 gross, ESI is not applicable.
For ₹50,000 gross with 40% basic (₹20,000): PF = ₹1,800 (capped), PT = ₹200, TDS ≈ ₹3,000 (estimated). In-hand ≈ ₹50,000 - ₹5,000 = ~₹45,000. Actual may vary based on tax regime and deductions.
Professional Tax is a state-level tax deducted from salary. It ranges from ₹150-250/month depending on the state. Maharashtra, Karnataka charge ₹200/month for salaries above ₹10,000. Some states like Delhi have no PT.
TDS is calculated based on your estimated annual income and applicable tax slab (old or new regime). Your employer deducts monthly TDS = (Annual Tax / 12) after considering declared investments under 80C, 80D, HRA, etc.
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Disclaimer: All calculations are estimates based on current tax rules and regulations. Actual values may vary depending on your specific circumstances. Please consult a certified financial advisor or CA for personalized advice.