Free · No sign-up · No bank linking
Your CTC is ₹18L.
What actually hits your bank?
InHand calculates your exact monthly take-home—after PF, TDS, professional tax, and every deduction. No guessing, no HR spreadsheet.
Example result
₹1,42,500
monthly in-hand on ₹18L CTC
Tax regime
Old vs New
side-by-side, you pick the better one
Your privacy
Zero link
no bank, no Aadhaar—just your CTC
Sound familiar?
Every salary decision comes down to one question
“Got a ₹20L offer—what actually lands monthly?”
InHand shows your exact take-home in seconds.
“Two offers on the table. Which pays more net?”
Offer comparison normalises both to the same assumptions.
“Can I afford the EMI after all deductions?”
EMI stress-test runs against real in-hand, not CTC.
“Old regime or new—which saves me more tax?”
Both regimes calculated side-by-side, difference shown clearly.
How it works
Your real salary in 3 steps
01
01
Enter your CTC
Type in your annual CTC. Add basic, HRA, or let InHand auto-split it.
02
02
Pick your regime
Old or new tax regime—InHand calculates TDS for both so you can compare.
03
03
See your in-hand
Instant monthly take-home with a full breakup—PF, tax, every line item.
Everything you need to understand your salary
From take-home to long-term wealth—tools built around your actual numbers, not HR's CTC sheet.
Offer comparison
Got two offers? See which one actually pays more.
Stop guessing. Paste both CTCs and instantly see real in-hand, tax drag, and first-year value — side by side. Know your answer before the call.
Premium unlocks live offer comparison.
Plans built around how you actually use salary
Start free with credible in-hand estimates. Upgrade when you want breakdowns, comparisons, and planning tools that stay tied to your numbers—not generic advice.
Yearly is 20% less than twelve monthly payments.
Essentials
Free
₹0/ month
Full calculator—no card required.
- Editable fixed & variable salary inputs
- Estimated in-hand (guaranteed vs illustrative)
- Monthly & annual deduction / TDS-style view
- Regime-aware tax estimate (Old / New)
- Simple result cards & package composition
- Basic salary view—fast, no sign-in required
Full planning
Premium
₹159/ month
Billed ₹1,910 per year · save 20% vs monthly
- Everything in Free
- Detailed salary breakdown & component table
- Offer comparison (in-hand, tax, first-year value)
- Wealth forecast (multi-year scenarios)
- EMI analyzer vs your in-hand
- Monthly lifestyle planner & surplus view
- Deeper insights across planning screens
Compare at a glance
| Capability | Free | Premium |
|---|---|---|
| Basic salary calculator | ||
| Fixed vs variable in-hand clarity | ||
| Regime-aware TDS-style estimates | ||
| Component-wise breakdown | ||
| Offer comparison | ||
| Wealth forecast | ||
| EMI affordability analyzer | ||
| Monthly planner | ||
| Dedicated planning workspace (breakdown, lifestyle, tools) |
Straightforward & transparent
You control what you enter. Estimates are for planning, not tax filing. Premium tools read from the same salary context you already trust in the free calculator—so upgrades feel like a natural next step, not a reset.
- No ads in product flows
- No bank linking required
- Built for Indian payroll context
Start free, no account needed
Know your real salary before you decide
Free breakdown instantly. Upgrade when you want offer comparison, forecasts, and EMI planning—all tied to your actual in-hand, not CTC.