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v2.4.0 • Updated 2026

Salary Calculator

Decode your offer letter. Find out exactly how much money will hit your bank account every month.

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Offer Details

₹/yr
%

Higher Basic means higher PF contribution. This reduces monthly in-hand cash but builds a bigger retirement corpus.

Monthly In-Hand

₹ 57,615.31

Annual Net: ₹ 6,91,383.72

In-Hand
57,615
Income Tax
1,339
PF & PT
6,200
Earnings (+)
Deductions (-)
Basic Salary50,000.00
HRA15,153.85
Special Allw.0.00
Gross Salary65,153.85
Income Tax (TDS)1,338.53
Employee PF6,000.00
Prof. Tax200.00
Total Deduct.7,538.53
Annual Tax Estimate: ₹ 16,062.40 (New Regime)
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Salary Guide

CTC vs Gross vs Net Salary

This is the most common confusion for employees:

  • CTC (Cost to Company): The total amount the company spends on you. Includes Gratuity, Employer PF, Insurance, etc.
  • Gross Salary: CTC minus retirement benefits like Gratuity and Employer PF. This is what shows up on your payslip before deductions.
  • Net Salary (In-Hand): Gross Salary minus Employee PF, Professional Tax, and Income Tax. This is what you actually get in the bank.

Common Components

Basic Salary: Usually 40-50% of CTC. It is fully taxable.
HRA (House Rent Allowance): 40% (Non-Metro) or 50% (Metro) of Basic. Can be tax-exempt if you pay rent.
Special Allowance: The balancing figure. Fully taxable.

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When Should You Use These Calculators?

Whether you're saving, spending, or investing — here's exactly when this calculator can help you make a smarter decision.

Before Making an Investment

Estimate returns and risks before putting your money to work.

investment calculator, investment planning

Comparing Financial Plans

Side-by-side compare plans to pick the smartest option.

compare plans, financial comparison

Planning Long-Term Goals

Map out savings milestones to reach your future targets.

long term financial goals, goal planning

Checking Affordability

Know instantly if a purchase fits inside your budget.

affordability check, can I afford

Before Taking a Loan

Understand EMIs, interest & total cost before you borrow.

loan calculator, EMI calculator

Budgeting a Major Purchase

Break big-ticket items into a realistic payment plan.

budget calculator, major purchase planning

Evaluating Savings Returns

See how compound interest grows your savings over time.

savings calculator, compound interest

Planning for Retirement

Figure out how much you need saved before you retire.

retirement calculator, retirement planning

Deciding Between Options

Remove the guesswork when choosing between two paths.

financial decision, compare options

Before Consulting an Advisor

Walk in prepared with real numbers, save time & money.

financial advisor prep, quick estimate

Ready to crunch some numbers? It's free & takes less than a minute.

Popular calculator use cases

  • Before Making an Investment: investment calculator, investment planning
  • Comparing Financial Plans: compare plans, financial comparison
  • Planning Long-Term Goals: long term financial goals, goal planning
  • Checking Affordability: affordability check, can I afford
  • Before Taking a Loan: loan calculator, EMI calculator
  • Budgeting a Major Purchase: budget calculator, major purchase planning
  • Evaluating Savings Returns: savings calculator, compound interest
  • Planning for Retirement: retirement calculator, retirement planning
  • Deciding Between Options: financial decision, compare options
  • Before Consulting an Advisor: financial advisor prep, quick estimate