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 · ₹12 LPA · New regime · FY 2026–27
Monthly in-hand
₹98,000
₹11,76,000 per year
Estimate only · New regime · PF on ₹15k statutory ceiling · Section 87A rebate eliminates tax at ₹12L gross
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?
After new-regime tax (₹0 at ₹12L with Section 87A rebate), PF, and PT, monthly in-hand is around ₹98,000. Mumbai rents for a 1BHK typically start at ₹25,000–₹45,000. So the answer depends heavily on rent and lifestyle.
Run Salary Reality Check →How much will I take home from a ₹15 LPA offer?
Under the new regime: taxable income ₹13.75L (after ₹75k std. deduction) → estimated tax ~₹1,01,400/yr. Monthly in-hand ≈ ₹1,10,000 after PF ₹1,800 and PT ₹200.
Calculate ₹15L in-hand →Old or new tax regime — which saves more?
Below ₹15L, the new regime almost always wins unless you have significant HRA + 80C + home loan interest. Run the comparison with your actual deductions to be sure.
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, 87A rebate — educational only, not filing advice.
Open guides →Notice buyouts, gratuity eligibility, leave encashment, and offer evaluation.
Open guides →Popular salary pages
Each salary band has estimated in-hand, city cost breakdowns, regime comparison, and tax impact.
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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