Salary Calculator India (2026) – In-Hand Salary, CTC, Tax, PF & Offer Comparison

Salary Information

Input type

Annual CTC Monthly CTC Monthly Gross

Annual CTC Enter yearly cost to company.

Tax Regime

New Old

State City Old regime deductions 80C, 80D, HRA, NPS, and other eligible deductions.

Salary Components

Employer PF included? Bonus included? Variable pay included? Employer NPS included?

Bonus % Variable % Employer NPS %

Employee

Age Gender Employment Type Role Experience

Salary Calculator FAQs

Learn how salary calculations work, understand important salary components, and make informed financial decisions using WealthPilot.

What is a Salary Calculator?

A Salary Calculator estimates your monthly take-home salary after considering CTC, income tax, Provident Fund (PF), Professional Tax, bonus, variable pay and other salary components.

What is CTC?

CTC (Cost to Company) represents the total annual cost your employer spends on you. It includes your basic salary, HRA, bonuses, employer PF contribution, gratuity and other benefits.

What is the difference between CTC and In-Hand Salary?

CTC is your total compensation package, whereas In-Hand Salary is the amount credited to your bank account after deductions such as income tax, employee PF and professional tax.

How is In-Hand Salary calculated?

WealthPilot estimates your monthly in-hand salary using your annual or monthly CTC, tax regime, PF contribution, professional tax, employer benefits and salary structure.

Should I choose the Old or New Tax Regime?

The calculator compares both tax regimes automatically. The Old Regime benefits taxpayers claiming deductions, while the New Regime offers simplified taxation with lower tax rates.

What is Salary Health Score?

Salary Health Score is WealthPilot's overall assessment of your salary structure based on tax efficiency, savings potential, retirement planning, variable pay and cost of living.

Can I compare multiple job offers?

Yes. WealthPilot compares different salary offers and helps you understand which offer provides better monthly take-home salary, lower taxes and improved financial health.

How does Cost of Living affect my salary?

Living expenses differ from city to city. WealthPilot estimates monthly rent, food, transport and utilities to calculate your expected monthly savings.

How accurate is this Salary Calculator?

The calculator follows common Indian salary structures, PF rules and current income tax slabs. Actual salaries may vary depending on employer policies and allowances.

Is WealthPilot Salary Calculator free?

Yes. WealthPilot Salary Calculator is completely free to use and helps employees, freshers and job seekers understand their salary package before accepting an offer.

Monthly Take Home --

Monthly Gross--

Income Tax--

Employee PF--

Professional Tax--

Monthly In-hand--

Salary Health Score --/100

-----

AI Salary Insights

Recommendations

Salary Breakdown

Notice period analysis is optional and meant for advanced users.

Tax Optimization

Old Regime--

New Regime--

Savings--

Cost of Living

Rent--

Food--

Transport--

Utilities--

Estimated Savings--

Interactive Charts

Visual salary story

Salary Components

Tax vs PF vs Take Home

Salary Growth

Offer Comparison

Compare current and future offers.

Current Offer LPA Offer A LPA Offer B LPA

Salary Growth Projection

Project future salary and career earnings.

Current Salary LPA Expected Hike % Years

Total Career Earnings --

Financial Planning

Recommended next money moves.

Emergency Fund

Recommended SIP

Gold Investment

Term Insurance

Health Insurance

Salary Structure Builder

Create a custom salary structure. (Coming soon)

Annual CTC Basic % HRA % Bonus % Variable %

Offer Letter Analyzer

Analyze offer details before accepting - (Coming Soon).

Upload Offer Letter Paste offer text

AI Career Suggestions

Know your market position and next skills. (Coming Soon)

Salary Assistant

Ask about your salary. (Coming Soon)

Ask about SIP, tax regime, emergency fund, car affordability, house affordability, or hikes.