PDFPixo

In-Hand Salary Calculator

Monthly and yearly take-home pay after PF, professional tax and TDS.

Find out how much salary reaches your bank account each month after deductions.

How much salary will reach your bank account?

An offer letter usually shows the salary as a yearly CTC or as a list of monthly parts: basic pay, house rent allowance, special allowance and others. The amount that actually reaches your bank account each month is lower, because provident fund, professional tax and income tax are deducted. This calculator works out your monthly and yearly in-hand salary from the amounts you type, shows it instantly and gives you the calculation as a one-page PDF for your own planning.

What you type

Enter the monthly basic pay, HRA, special allowance and any other allowances. These add up to your gross salary a month. Then choose how provident fund is deducted and type the professional tax, the income tax (TDS) taken each month and any other deductions, such as a canteen charge or a loan recovery.

Provident Fund

The employee share of EPF is 12 percent of basic pay. Many employers deduct 12 percent of the full basic pay; others deduct 12 percent of basic pay only up to the wage ceiling of ₹15,000, which makes ₹1,800 a month at most. Choose the option your payslip or offer letter uses, or 'No PF' if you are not covered. If your company counts dearness allowance with basic pay, add it to the basic pay field.

Professional tax and income tax

Professional tax depends on the state you work in, and income tax depends on the tax regime you choose, your total income and your savings, so the calculator does not guess them. Type the monthly amounts from your payslip, from your employer's tax declaration or from your own tax calculation. Leave them empty if they do not apply.

What you get

As you type, a box shows gross salary, total deductions and in-hand salary a month. Press the button to get a PDF titled 'In-hand salary calculation' with your earnings, deductions, monthly and yearly in-hand amount and the PF rule used. It is clearly marked as a calculation and is not a salary slip; a salary slip can only come from your employer.

An example

Basic pay ₹30,000, HRA ₹12,000, PF at 12 percent of basic (₹3,600) and professional tax ₹200 give a gross of ₹42,000, deductions of ₹3,800 and ₹38,200 in hand each month, which is ₹4,58,400 a year before any income tax.

Private by design

Everything happens inside your own browser. Your files and the details you type are never uploaded to a server, and nothing is kept after you close the page. There is no sign-up, no watermark and no daily limit. For contracts, bank papers and personal photos this matters more than anything else.

How to use it

  1. Type your earnings Basic pay, HRA and allowances per month.
  2. Choose PF and deductions Pick the PF rule; type professional tax and TDS.
  3. See the result In-hand salary appears as you type.
  4. Download the PDF Keep the calculation for planning.

Why choose PDFPixo for this tool

  • Instant result Monthly and yearly in-hand pay as you type.
  • Both PF rules 12 percent of basic, with or without the ₹15,000 ceiling.
  • Honest output A calculation, never a fake salary slip.
  • Private and free Your salary details stay on your device.

Frequently asked questions

How is in-hand salary calculated?
Gross monthly salary minus PF, professional tax, TDS and other deductions.
How much PF is deducted?
12 percent of basic pay, or of basic pay up to ₹15,000.
Does it calculate income tax?
No. Type the monthly TDS from your payslip or tax calculation.
Can it make a salary slip?
No. It only makes a calculation for your own planning.
Are my salary details uploaded?
No. Everything stays in your browser.

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