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Free salary tools for India: see your in-hand pay from your CTC, check whether you are paid fairly, and compare two job offers after tax.
Salary reality check
Enter your role, city, experience and pay. See where you stand against an estimated market range, and get the exact words to ask for a raise.
Check my salaryOffer comparison
Two job offers in India, side by side. See the monthly in-hand pay, what bonus and stock are worth after tax, and what is left after living costs.
Compare offersDecision helper
Two job offers, two phones, two cities. Answer five sharp questions and get a reasoned recommendation with the trade-offs laid out.
Help me decideHow it works
- 1
Tell it your situation
A handful of plain questions. It takes about a minute and you never create an account.
- 2
Get a straight answer
A clear verdict first, then the reasoning behind it so you can check it yourself.
- 3
Leave with a next step
A raise script you can read out, or one thing to test before you commit to a choice.
What this is, and what it isn't
InHandPay would rather be trusted than impressive, so here is exactly how it works.
- Salary figures are estimates. They come from a simple model of role, experience, city and company type. They are not survey data. You can add real numbers you have seen and the estimate adjusts.
- Take-home pay follows India's FY 2026-27 tax slabs. It assumes a typical salary structure, so your payslip can differ by a few thousand rupees.
- The decision helper weighs your own answers. It does not know your life. It shows you what your answers add up to and where they conflict.
- Everything runs on your device. Your pay and your decisions are never sent to a server.
In-hand salary calculator · India · FY 2026-27
₹35 LPA in-hand salary
What a ₹35 lakh a year CTC becomes each month after PF, professional tax and income tax, for FY 2026-27.
On a CTC of ₹35 lakh a year, the in-hand salary is about ₹2,11,324 a month under the new tax regime for FY 2026-27. Under the old regime with ₹1.5 lakh of deductions it is about ₹1,94,486 a month.
₹35 LPA: from CTC to in-hand
| Per year | New regime | Old regime |
|---|---|---|
| CTC | ₹35,00,000 | ₹35,00,000 |
| Employer's PF | − ₹1,68,000 | − ₹1,68,000 |
| Gratuity | − ₹67,340 | − ₹67,340 |
| Gross salary | ₹32,64,660 | ₹32,64,660 |
| Your PF | − ₹1,68,000 | − ₹1,68,000 |
| Professional tax | − ₹2,400 | − ₹2,400 |
| Income tax | − ₹5,58,374 | − ₹7,60,425 |
| In-hand a year | ₹25,35,886 | ₹23,33,835 |
| In-hand a month | ₹2,11,324 | ₹1,94,486 |
Income tax on ₹35 LPA under the new regime is about ₹5,58,374 a year, or ₹46,531 a month. The new regime gives about ₹16,838 more each month at this salary, unless your deductions are well above ₹1.5 lakh.
Assumes basic pay at 40% of CTC, PF at 12% of basic from you and from your employer, gratuity of 4.81% of basic inside CTC and ₹200 a month professional tax. Change these in the calculator above to match your offer letter.
Other salaries
How in-hand salary is worked out
- Start with CTC. Your yearly cost to company, as written in the offer letter.
- Take out what never reaches you. The employer's PF contribution (12% of basic pay) and gratuity (4.81% of basic pay) are part of CTC but are not paid as salary. What remains is your gross salary.
- Take out your own PF. Another 12% of basic pay goes into your provident fund account.
- Take out professional tax. Up to ₹2,400 a year in states that charge it.
- Take out income tax. Worked out on gross salary less the standard deduction, using the FY 2026-27 slabs and 4% cess.
What is left, divided by twelve, is your monthly in-hand salary.
Common questions
What is the in-hand salary for ₹35 LPA?
About ₹2,11,324 a month under the new tax regime for FY 2026-27, or ₹25,35,886 a year, assuming basic pay is 40% of CTC, PF at 12% of basic and ₹200 a month professional tax.
How much income tax do I pay on ₹35 LPA?
About ₹5,58,374 a year under the new regime for FY 2026-27, including 4% cess. Under the old regime with ₹1.5 lakh of deductions it is about ₹7,60,425 a year.
Which tax regime is better for ₹35 LPA?
The new regime gives about ₹16,838 more each month at this salary, unless your deductions are well above ₹1.5 lakh.
What is the difference between CTC and in-hand salary?
CTC (cost to company) is everything your employer spends on you in a year, including its own provident fund contribution and gratuity, which never reach your bank account. In-hand salary is what is credited each month after your PF contribution, professional tax and income tax are also taken out.
Why is my in-hand salary so much lower than my CTC divided by 12?
Four things come out. Your employer counts its PF contribution and gratuity inside CTC, you pay your own PF, most states charge professional tax, and income tax is deducted at source. Any variable pay or bonus in your CTC is also paid separately, not monthly.
Does the calculator include bonus or variable pay?
It treats the whole CTC as fixed pay spread over twelve months. If part of your CTC is a yearly bonus or variable pay, enter only the fixed part to see your regular monthly credit.
Salary reality check
Are you paid fairly?
Fill in six fields. You'll see where your pay sits in an estimated market range and get a script to ask for more.
Your result appears here
You'll get a verdict, the estimated range for your role, and a raise script with your numbers filled in.
Offer comparison · India
Which offer is worth more?
Enter two offers. You'll see the monthly in-hand pay, the after-tax value of bonus and stock, and what is left after living costs.
Decision helper
Stuck between two options?
Name them, answer five sharp questions, and get a recommendation with the trade-offs laid out.
Legal
Terms and conditions
Last updated: 8 October 2026
In short: InHandPay gives you estimates and a way to organise your own thinking. It is not professional advice, the numbers can be wrong, and the decisions you make are yours.
1. Agreeing to these terms
These terms apply to your use of the InHandPay website and its tools: the salary reality check, the in-hand pay calculator, the offer comparison and the decision helper. By using the site you agree to them. If you do not agree, please do not use the site.
In these terms, "InHandPay", "we" and "us" mean the operator of this website.
2. What the site provides
InHandPay is a free information tool. It produces estimates and suggestions from the details you enter. You do not need an account, and the tools run in your own browser.
3. Not professional advice
Nothing on this site is financial, tax, legal, investment or career advice. The site does not know your full circumstances. Before you act on anything important, such as accepting or rejecting a job offer, resigning, negotiating pay or choosing a tax regime, check the facts yourself and speak to a qualified professional where appropriate.
4. Accuracy of the figures
- Salary ranges are model estimates. They are calculated from assumptions about role, experience, city and company type. They are not survey data and are not taken from any employer or salary website.
- Tax and in-hand figures are approximations. They use India's income tax slabs for FY 2026-27 and an assumed salary structure. Your actual payslip, deductions and tax liability can differ.
- Figures may be out of date. Pay levels and tax rules change. We do not promise that the site reflects the latest position.
We do not guarantee that any figure, script or recommendation is accurate, complete or suitable for your situation.
5. Your decisions are your own
The decision helper weighs the answers you give. The raise scripts are suggested wording. You are solely responsible for what you say to an employer, the choices you make and their results. We do not promise any outcome, including a pay rise or a job offer.
6. Links to other websites
The site links to independent websites such as AmbitionBox, Glassdoor and Levels.fyi so you can compare figures. InHandPay is not affiliated with, endorsed by or sponsored by them, and does not copy their data. Their names and trademarks belong to their owners. Your use of those sites is governed by their own terms and privacy policies, and we are not responsible for their content.
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You agree not to disrupt or attack the site, not to try to gain unauthorised access to it, and not to present its estimates to others as official salary data or as professional advice.
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The site's design, text, logo and code belong to InHandPay. You may use the site for your own personal purposes. The results and scripts generated from your own inputs are yours to use as you wish.
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The site is provided "as is" and "as available", without warranties of any kind, whether express or implied. We do not promise that it will always be available, secure or free of errors.
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To the fullest extent the law allows, InHandPay is not liable for any loss or damage arising from your use of the site or your reliance on anything it shows, including loss of income, loss of a job opportunity or any indirect loss. Nothing in these terms limits liability that cannot be limited by law.
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We may change the site or these terms at any time. The date at the top of this page shows when the terms were last updated. Continuing to use the site after a change means you accept the updated terms.
12. Governing law
These terms are governed by the laws of India, and the courts of India have jurisdiction over any dispute.
Legal
Privacy policy
Last updated: 8 October 2026
In short: there are no accounts, no cookies and no adverts. What you type into the tools stays in your browser and is never sent to us. We count visits anonymously to see which pages are used.
1. What you type into the tools
Your pay, role, offers, living costs and decision answers are processed entirely in your browser. They are not transmitted to InHandPay, not saved on any server, and not stored on your device after you close or reload the page.
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3. Links to other websites
When you follow a link to another site, such as AmbitionBox, Glassdoor or Levels.fyi, that site's own privacy policy applies. We do not pass them anything you typed here; the link contains only the job title and location needed to open the right page.
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