A 60-second salary calculator built on real Indian offer data. See your in-hand salary FY 2025-26 (both regimes), then check it against what your role actually pays.
Most don't realise it because nobody tells them what their CV is actually worth. Here's where the data comes from — verified across NASSCOM, AmbitionBox, Mercer's India compensation study, and live offers passing through 400+ verified HRs.
Running tax slabs & market benchmarks.
Your salary has been analysed against current Indian benchmarks.
Built by 400+ verified Indian HRs · the same people who'll review your CV when you book — not an algorithm.
That's how much more you could be earning at market rate. Talk to a verified HR — they know which companies pay your true number.
A 30-min call with a real HR — not a coach, not a guru. They'll review your CV and tell you which companies pay your market rate.
30-day refund · 🔒 Razorpay Secure · 3,200+ paid sessions delivered
Real Indian HRs explain how to read your offer letter and what to negotiate before signing.
Found out I was 31% underpaid. The HR call gave me 8 companies hiring at my real market rate — got an offer 22% higher in 5 weeks.
Used the calculator before my appraisal meeting. HR helped me prep with real numbers — got a 28% in-cycle hike instead of the standard 8%.
Switched from a TCS-style ₹6L role to a product company at ₹11L. The mock interview was the difference — HR caught 3 things I was getting wrong.
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This is a free in-hand salary calculator for India built for the FY 2025-26 tax year. You enter your annual CTC and city tier, choose between the new and old tax regimes, and the tool returns your monthly take-home pay after PF, income tax, professional tax, and HRA exemption — typically in under 30 seconds.
What separates it from generic CTC calculators is the benchmark layer. We compare your CTC against real offer-letter data from 4,200+ verified offers across 400+ Indian HR professionals in our network. So you do not just see your in-hand number — you see whether your CTC is below, at, or above market for your role and experience band.
From FY 2025-26 the new regime is the default. It has wider slabs and a higher standard deduction (₹75,000) but disallows most exemptions. The old regime still allows HRA, 80C (₹1.5 lakh), 80D, home loan interest, NPS, LTA, and so on.
The rough rule of thumb: if your total exemptions and deductions are above ₹3.5–4 lakh per year, the old regime usually wins. Below that, the new regime gives more in-hand pay. This calculator runs both regimes in parallel so you do not have to guess.
Most calculators stop at "your in-hand is ₹X". That number is useful but it does not tell you the most important thing: are you being paid fairly? A ₹15 LPA CTC for a 4-year-experience product manager in Bangalore is below market. The same ₹15 LPA for a 6-year accountant in Indore is significantly above market. Without benchmark data you cannot tell the difference.
Our benchmarks come from verified offer letters — not survey claims or self-reported numbers on job boards. They cover IT, BFSI, FMCG, manufacturing, healthcare, retail, EdTech, and SaaS across Tier 1, Tier 2, and Tier 3 Indian cities. Accuracy is typically within ±8% of median market for roles with 50+ data points.
In-hand salary = CTC minus employer PF contribution, employee PF (12% of basic), income tax, and professional tax. Standard deduction of ₹75,000 applies under both regimes from FY 2025-26. HRA exemption applies only under old regime. The calculator handles all of this automatically.
New regime is better for most salaried people earning under ₹15 lakh CTC with limited 80C investments. Old regime wins if you claim HRA, home loan interest, LIC, ELSS, and PPF combined above ₹3.5–4 lakh. The calculator shows both side by side so you do not have to guess.
CTC includes employer PF (12% of basic), gratuity, and sometimes notional benefits like insurance premiums. These are paid to others, not you. Your take-home is typically 70–78% of CTC depending on basic structure and tax regime.
Yes. Fully free. No signup. No login. We use it as a lead magnet for our HR consultation services (Resume Review at ₹199, Mock Interview at ₹299) but you do not need to pay anything to use the calculator.
Benchmarks come from 4,200+ verified offer letters across 400+ Indian HR professionals in FindHR's network, updated quarterly. Accuracy is within ±8% for IT, BFSI, FMCG, and manufacturing roles in Tier 1 and Tier 2 cities.
Two options. Renegotiate at your current job — use our free Salary Negotiation Script Generator. Or interview elsewhere with a stronger resume and pitch — start with the free Resume ATS Score. If you want an HR to review your case directly, book a Mock Interview session at ₹299.
Variable pay and joining bonus can be included in CTC input as gross annual figure. ESOPs are not included since vesting and tax timing varies. For ESOP-heavy compensation, book a 25-minute HR session at ₹199 for personalized review.
