1. What is Monthly In-Hand Salary?

The monthly in-hand salary is the actual amount an employee receives after deducting taxes and other statutory contributions from the gross salary. For a 9 LPA (₹9,00,000 per annum) package, this calculator helps estimate your take-home pay.

2. How Does the Calculator Work?

The calculator uses the following formula:

Where:

• 9,00,000 — Annual salary in INR
• Income Tax — Annual income tax deduction
• PF — Provident Fund contribution
• Professional Tax — State professional tax

3. Components of Salary Calculation

Income Tax: Calculated based on your tax slab under the Indian income tax system.
Provident Fund (PF): Typically 12% of basic salary, with employer matching contribution.
Professional Tax: Varies by state, typically ₹200-₹250 per month in most states.

4. Using the Calculator

Tips: Enter your annual income tax, PF contribution, and professional tax amounts in INR. The calculator will compute your estimated monthly in-hand salary.

5. Frequently Asked Questions (FAQ)

Q1: Is 9 LPA a good salary in India?
A: 9 LPA is considered a good salary, placing you in the upper-middle income bracket in most Indian cities.

Q2: How much tax will I pay on 9 LPA?
A: Tax depends on your investments and deductions. Under the new tax regime (FY 2023-24), tax would be approximately ₹50,000-₹60,000.

Q3: What percentage of 9 LPA is take-home?
A: Typically 70-75% after all deductions, but this varies based on your specific components and investments.

Q4: Is PF mandatory for all employees?
A: PF is mandatory for employees in establishments with 20+ workers earning up to ₹15,000 basic salary.

Q5: Does professional tax vary by state?
A: Yes, professional tax rates and slabs differ across Indian states.