# In-hand Salary Calculator India — old vs new tax regime

Estimate the salary that reaches your bank account after employer PF, gratuity, employee PF, professional tax, income tax, and 4% health and education cess. Interactive calculator at https://spenco.ai/in-hand-salary-calculator.

## Old vs new tax regime

The calculator compares both regimes for Tax Year 2026–27. The new regime uses its ₹75,000 standard deduction, current income-tax slabs, Section 87A rebate up to ₹12 lakh of taxable income, and marginal relief just above that threshold. The old regime uses its ₹50,000 standard deduction and allows eligible HRA, Section 80C, NPS, Section 80D, professional-tax, and self-occupied home-loan-interest deductions entered by the user.

## What counts as in-hand salary

Annual cash salary is estimated as CTC minus employer PF and gratuity. Estimated annual in-hand salary then subtracts employee PF, professional tax, and income tax. The monthly figure averages the result across 12 months, so actual payroll may differ in bonus or variable-pay months.

## Assumptions

This estimate is designed for a resident salaried individual below 60 with regular salary income up to ₹50 lakh and no special-rate income or surcharge. It is an educational estimate, not tax advice. Confirm deduction eligibility and payroll treatment with a tax professional.

Nothing entered into the calculator is uploaded or saved. All calculations happen locally in the browser.

Spenco AI tracks salary cycles, recurring deductions, EMIs, and spending to forecast the balance that will actually be available through the month. Start free at https://app.spenco.ai.