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India Salary Calculator
Calculate in-hand salary with TDS, PF, and professional tax
Salary Details
$
Cost to Company
40%
50%
Salary Breakdown
Enter your CTC details
Calculate your in-hand salary
Understanding Your Salary Structure
CTC vs In-Hand Salary
CTC (Cost to Company) is the total expense an employer incurs for an employee. In-hand salary is what you actually receive after all deductions.
Common Salary Components
- Basic Salary: Core component, affects PF and gratuity
- HRA: House Rent Allowance for accommodation
- Special Allowance: Flexible component, fully taxable
- LTA: Leave Travel Allowance (exempt with proof)
- Medical Allowance: Health expense reimbursement
Deductions from Salary
- PF: 12% of basic (matched by employer)
- Professional Tax: State-based, max ₹2,500/year
- TDS: Tax deducted at source monthly
HRA Exemption
Least of the following is exempt under old regime:
- Actual HRA received
- 50% of basic (metro) or 40% (non-metro)
- Rent paid minus 10% of basic
Optimizing Your Salary
- Higher basic = more PF = better retirement corpus
- Lower basic = more flexible allowances = higher in-hand
- Balance based on tax planning and long-term goals
Disclaimer: This calculator is for informational purposes only and should not be considered financial, tax, or legal advice. Results are estimates based on the information provided and current tax laws. Consult a qualified professional for advice specific to your situation.
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