For Indian salaried employees
Know your real in-hand salary.
Before you accept, switch, or resign.
Free calculators with transparent assumptions — CTC to take-home, tax regime comparison, offer analysis, and exit maths. Built for Indian payslips.
Example · ₹12L annual gross · New regime · FY 2026–27
Monthly in-hand
₹96,800
₹11,61,600 annualized at current PF
Estimate only · PT ₹200/month · Current PF: ₹25k wage cap from 17 Sep 2026 · Resident individual with only ordinary salary income; rebate eligibility assumed
Free data report
72 modelled CTC → in-hand scenarios
Open the India In-Hand Salary Model 2026 for a transparent dataset: how ₹5L–₹50L CTC converts to monthly take-home across employer-cost structures and PF bases — with stated assumptions and free CSV / JSON downloads.
These figures are modeledby SalaryExit's live tax and PF engine. They are not observed salary survey data.
- 72 distinct modelled scenarios (CTC × employer-cost × PF base)
- Transparent FY / PF assumptions published on the report
- Downloadable CSV and JSON for your own checks
See the full modelled report
Open India In-Hand Salary Model 2026Modeled estimates · Educational use only
Calculators
Every one uses the same FY 2026–27 engine and states its assumptions.
Free CTC to in-hand salary calculator for India. Enter your annual CTC or gross salary and get monthly take-home after PF, professional tax, and TDS — FY 2026-27 slabs. No registration.
Understand my offer
Rank multiple offers by estimated monthly in-hand and CTC using numbers you provide. Consistency of methodology matters.
Required CTC for target in-handWork backwards from your target monthly in-hand to find the required CTC — enter ₹1 lakh, ₹1.5 lakh, or any figure and see the gross and CTC range, factoring PF, tax regime, and employer-side costs.
Understand tax and deductions
Side-by-side estimated tax after standard deduction: old regime (80C/HRA you enter) vs new regime — see which leaves more cash after tax. Simplified 87A; surcharge not modeled; not for filing.
HRA exemptionEstimate HRA exemption using the three-part test (rent, salary %, actual HRA). Old-regime context; estimates only.
Plan a resignation
Decision assistant
Salary Reality Check
Enter CTC, rent, and a lifestyle band. We estimate in-hand with the same tax engine as our CTC calculator, layer transparent spend heuristics, and show savings ratio plus a plain verdict — so you can judge an offer or city move beyond a single net-pay number.
- Estimated in-hand
- from CTC/tax/PF
- − Rent and monthly spend
- rent + heuristics
- = Modeled monthly surplus
- the verdict
- In-hand from centralized FY + PF logic
- Modeled groceries, commute, utilities, discretionary
- Verdict: high / moderate / low / negative savings risk
Real questions, real numbers
Specific answers — not generic tax-website boilerplate.
Is ₹12 LPA enough in Mumbai?
At ₹12L annual gross, this salary-only new-regime example gives about ₹96,800/month after capped employee PF and ₹200/month PT. That assumes resident rebate eligibility and no other income. Enter your actual Mumbai rent and household costs to see what remains.
Run Salary Reality Check →How much will I take home from a ₹15 LPA offer?
If ₹15L is annual gross: taxable income is ₹14.25L after the ₹75,000 standard deduction. New-regime tax including cess is ₹97,500/year; estimated in-hand is ₹1,13,675/month with capped PF ₹3,000 and PT ₹200. A ₹15L CTC offer needs employer costs removed first.
Calculate ₹15L in-hand →Old or new tax regime — which saves more?
Compare annual tax using your gross, eligible HRA exemption and deductions. Salary alone does not decide the answer. Where new-regime tax is already zero, the old regime cannot reduce it further.
Compare regimes →Plain-English guides
CTC components, in-hand structure, and what actually moves your take-home.
Open guides →Old vs new regime, standard deduction, HRA, Section 156 rebate (earlier 87A) — educational only, not filing advice.
Open guides →Notice buyouts, gratuity eligibility, leave encashment, and offer evaluation.
Open guides →Popular salary pages
See what each annual salary means per month, with an illustrative PF and tax breakdown.
FAQ
Are SalaryExit numbers exact?
No. They are transparent estimates from a versioned calculation engine with stated assumptions (financial year settings, simplified rebates, no surcharge, etc.). Payslips and Form 16 remain authoritative.
Is this tax filing advice?
No. SalaryExit is for education and planning. For filing, use official documents and a qualified professional.
Why does the same CTC produce different in-hand numbers across websites?
Because PF wage, PT state, regime choice, perquisites, and TDS smoothing differ. We publish assumptions so you can reconcile differences intentionally.
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