Salary and tax for India
Know what a job offer is really worth.
Move from CTC to monthly cash, compare tax regimes, check PF and HRA, and evaluate competing offers with one connected salary toolkit.
How we handle the numbers
Regulated assumptions state the financial year used and link to Income Tax Department, Union Budget, or EPFO material where applicable. Results remain estimates because employer salary structures differ.
Review assumptions and sourcesStart with a decision
Choose the question closest to yours.
Decode a job offer
Turn annual CTC into estimated monthly take-home after employer PF, employee PF, tax, bonus timing, and payroll deductions.
Calculate in-hand salary
Compare two offers
See the estimated cash difference between packages instead of comparing headline CTC alone.
Compare salary offers
Choose a tax regime
Compare old and new regime estimates using your income and eligible deductions before making a declaration.
Compare tax regimes
Calculators
Work with your own numbers.
No signup is required. Inputs are processed in your browser and results are planning estimates.
CTC to In-Hand
Estimate your monthly take-home salary from annual CTC with PF, deductions, and tax assumptions.
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Income Tax
Compare old vs new tax regime using current Indian slab assumptions.
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HRA
Calculate HRA exemption based on rent paid, salary, and city type.
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PF
Estimate employee and employer provident fund contributions.
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Gratuity
Calculate estimated gratuity based on last drawn basic salary and years of service.
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Bonus
Estimate annual bonus payout from your bonus percentage and salary base.
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Salary Comparison
Compare two salary offers side by side and see the estimated monthly in-hand difference.
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Reverse Salary
Work backwards from your target monthly take-home and estimate required CTC.
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Guides
Understand the trade-offs.
How to Calculate In-Hand Salary From an Offer Letter in India
A step-by-step method to turn an Indian job offer into monthly take-home using fixed pay, bonus, employer PF, employee deductions and FY 2026-27 tax assumptions.
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Fixed Pay vs Variable Pay in CTC: Compare the Offer You Can Actually Rely On
Understand fixed, variable, guaranteed and one-time salary components, model bonus payout scenarios, and compare Indian job offers without being misled by headline CTC.
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Employer PF in CTC Explained: Why It Reduces Cash Salary
See how employee and employer provident-fund contributions affect Indian CTC, monthly salary and the EPF/EPS split, including capped and higher-wage scenarios.
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How to Compare Two Job Offers in India Beyond CTC
A practical framework to compare monthly in-hand, guaranteed cash, bonus risk, PF, equity, location, role quality and clawbacks across two Indian job offers.
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Salary Hike Percentage vs In-Hand Increase: Why They Are Not the Same
Calculate salary hike correctly and understand why a CTC increase can produce a smaller monthly in-hand gain after bonus, PF, tax and salary-structure changes.
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How Basic Salary Percentage Changes PF, HRA, Gratuity and Take-Home
Understand how an Indian salary structure's basic-pay percentage affects provident fund, HRA exemption, gratuity provision and monthly in-hand even when CTC is unchanged.
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