1. What is In-Hand Salary?

In-Hand Salary is the actual amount an employee takes home after all deductions like income tax, provident fund, professional tax, etc. For a 6.5 LPA (Lakhs Per Annum) package, this calculator helps estimate your take-home pay.

2. How Does the Calculator Work?

The calculator uses the following formula:

Where:

• 6,50,000 — Annual salary (6.5 LPA)
• Income Tax — Tax deducted based on your tax slab
• PF — Provident Fund contribution (typically 12% of basic salary)
• Professional Tax — State-specific professional tax (usually ₹200-₹2,500 annually)

3. Components of Salary Deduction

Income Tax: Calculated based on your tax slab under the old or new tax regime. For 6.5 LPA, typically falls in 5% or 20% slab after deductions.

Provident Fund (PF): Employee contributes 12% of basic salary (minimum ₹1,800/month if basic is less than ₹15,000).

Professional Tax: Varies by state, typically ₹200/month in most states (capped at ₹2,500/year).

4. Using the Calculator

Tips: Enter your expected annual income tax, PF contributions, and professional tax. The calculator will show your annual and monthly in-hand salary.

5. Frequently Asked Questions (FAQ)

Q1: What is the typical in-hand salary for 6.5 LPA?
A: Typically ₹45,000-₹52,000/month depending on deductions and salary structure.

Q2: How is income tax calculated for 6.5 LPA?
A: Under new regime (FY 2023-24): ₹32,500 (5% of amount above ₹3L). Under old regime with standard deduction: ~₹28,000.

Q3: Is PF mandatory for all employees?
A: Yes, for organizations with 20+ employees. Contribution is 12% of basic salary.

Q4: Which states have highest professional tax?
A: Karnataka (₹2,500/year), Maharashtra (₹2,500/year), West Bengal (₹2,500/year).

Q5: Can I reduce tax on 6.5 LPA salary?
A: Yes, through HRA exemption, 80C deductions (up to ₹1.5L), NPS, health insurance, etc.