1. What is In-Hand Salary?

In-Hand Salary is the actual amount you receive after all deductions like income tax, provident fund, professional tax, etc. It's also called net salary or take-home salary.

2. How Does the Calculator Work?

The calculator uses the following formula:

Where:

• Gross Salary — Your total salary before any deductions
• Income Tax — Calculated as per New Tax Regime 2025-26 slabs
• Provident Fund — Typically 12% of basic salary (user adjustable)
• Professional Tax — State-specific tax, typically ₹200/month (user adjustable)

3. New Tax Regime 2025-26

Tax Slabs:

Income Range (₹)	Tax Rate
Up to 3,00,000	0%
3,00,001 - 6,00,000	5%
6,00,001 - 9,00,000	10%
9,00,001 - 12,00,000	15%
12,00,001 - 15,00,000	20%
Above 15,00,000	30%

Note: The new regime has lower rates but fewer deductions compared to the old regime.

4. Using the Calculator

Steps:

1. Enter your annual gross salary in INR
2. Enter your Provident Fund percentage (default 12%)
3. Enter monthly Professional Tax (default ₹200)
4. Click Calculate to see your in-hand salary

5. Frequently Asked Questions (FAQ)

Q1: Should I choose new or old tax regime?
A: The new regime is simpler with lower rates but fewer deductions. The old regime may be better if you have significant deductions (HRA, LTA, 80C, etc.).

Q2: Is PF contribution mandatory?
A: For organizations with 20+ employees, 12% PF contribution is mandatory for employees earning up to ₹15,000/month. Others may have voluntary PF.

Q3: Does professional tax vary by state?
A: Yes, professional tax rates vary by state. The calculator uses ₹200/month as default which applies to many states.

Q4: Are there other deductions not included here?
A: This calculator covers major deductions. Others like health insurance, NPS, etc. would be considered under the old regime.

Q5: How accurate is this calculator?
A: It provides a good estimate based on standard deductions. For exact figures, consult your payroll department or tax advisor.