India salary calculator 2026 rules reviewed

India salary calculator 2026 — in-hand pay

Estimate your annual and monthly in-hand salary under the default new tax regime, then see what remains after your real expenses, savings and investments.

Salary-only income-tax estimate. EPF, state professional tax, employer-specific deductions and special-rate investment income are not currently included.

What this India in-hand salary calculator includes

The India engine applies the default new-regime salary-tax rules used for the current planning model, including the ₹75,000 salary standard deduction, section 87A rebate and marginal relief, surcharge treatment and 4% health and education cess.

Because employer payroll structures vary, EPF and state-specific professional tax are not guessed. The calculator focuses on the income-tax estimate and then lets you enter your real monthly costs, savings and investments to see the money left after your plan.

Step 1

Salary & deductions

Manual estimate

Country Currency

Gross salary Salary frequency

Total salary deductions (%) Use your estimated combined tax + mandatory payroll deductions. Average monthly deductions Calculated only after you enter a deduction rate.

Gross per month —

Estimated net per month —

Estimated net per year —

Tax / combined deductions —

Mandatory contributions —

Effective deduction rate —

Rule set & assumptions Manual deduction estimate

You provide the combined tax and mandatory deduction rate.

Rules reviewed: 15 October 2026

Step 2

Your monthly money

Housing / rent Loans / debt payments Living expenses Other recurring expenses Monthly savings Monthly investments

Money remaining each month —

After your selected expenses, savings and investments.

Step 3

Savings goal

Target amount Amount saved each month

Estimated time to reach goal —

How to use the India in-hand salary calculator

Enter your gross salary in rupees and choose monthly or annual frequency.
The calculator estimates salary income tax under the supported default new-regime rules.
Add your actual monthly rent or housing, debt, living expenses, savings and investments.
Use the remaining-money figure to understand how the salary fits your monthly plan.

What the current India model includes

The salary-tax model includes the ₹75,000 salary standard deduction, section 87A rebate and marginal relief where applicable, surcharge treatment and 4% health and education cess. It is a salary-only estimate and intentionally does not guess employer-specific payroll deductions.

Common India salary questions

Which tax regime is used?

The automatic calculation uses the default new regime for the salary-tax model described in the methodology.

Is EPF included in the in-hand amount?

No. EPF is employer- and payroll-structure dependent and is not currently included in the automatic result.

Is professional tax included?

No. Professional tax varies by state and is not modelled automatically.

Why can my payslip in-hand salary be lower?

EPF, professional tax, insurance, employer benefits, salary structure and other payroll deductions can reduce actual in-hand pay beyond the income-tax estimate shown here.

What is the difference between in-hand salary and money remaining?

Estimated in-hand salary is income after the tax deductions this model includes. Money remaining goes one step further and subtracts the expenses, savings and investments you enter.

For the full assumptions and official source links, see the methodology.

No signupYour salary inputs stay in your browser.

Official rules firstSupported country engines cite government sources.

Estimates, not advicePersonal circumstances can change actual payroll and tax.

Important: Salary After All is a planning tool, not tax, legal, payroll or investment advice. “Net” means income after the deductions this calculator models; actual payslips and final tax returns can differ.