Updated for FY 2026–27 · Budget 2026

India's Free Salary &
File Converter Hub

CTC to in-hand, HRA, Gratuity, company-specific salary calculators, salary slips — plus free PDF & Word converters. No login needed.

18L+
Monthly searches
FY 2026–27
Tax slabs live
100% Free
No login ever
15+
Companies covered
CTC to In-Hand Salary Calculator
Get your exact monthly take-home after EPF, HRA, tax & all deductions
FY 2026–27
Quick fill — click your CTC
Annual CTC (Cost to Company)
Basic Salary %
%
City
Annual Bonus
Professional Tax / month
Options
Include Employee PF (12% of Basic, max ₹1,800/mo)
Include Gratuity deduction (4.81% of Basic)
Monthly In-Hand Salary
Annual: —
Monthly Gross
Income Tax / mo
Employee PF
Total Deductions
Full Salary Breakup
HRA Exemption Calculator
Tax-exempt HRA under Old Regime · Section 10(13A)
Old Regime
⚠️ HRA exemption is only available under the Old Tax Regime. If you chose New Regime, full HRA is taxable.
Monthly Basic Salary
HRA Received / month
Rent Paid / month
City
Actual HRA Received
Rent – 10% of Basic
40/50% of Basic
✅ Tax-Exempt HRA
Breakdown
Gratuity Calculator India
Payment of Gratuity Act 1972 · Eligible after 5 years of service
2026
📌 Formula: (Basic + DA) × 15 ÷ 26 × Years of Service  ·  Tax-free up to ₹20 Lakhs
Last Drawn Monthly Basic
Dearness Allowance (DA)
Years of Service
Total Gratuity Payable
₹0
Breakup
Salary Hike Calculator
See exact new in-hand after appraisal hike
Appraisal
Current Annual CTC
Hike %
%
Current In-Hand
+0%
New In-Hand
New Annual CTC
Annual Gain
Monthly Extra
Effective Tax Rate
Salary Slip Generator
Generate a professional salary slip — free PDF, no login
FREE PDF
Employee Name
Company Name
Designation
Pay Month
Employee ID
PAN Number
Monthly Basic Salary
HRA
Special Allowance
Other Allowances
Why Use InHandSalary.in?

India's most accurate salary calculator — updated for every Budget, every year.

🎯 CTC vs In-Hand: The Real Difference

Your CTC of ₹10 LPA does not mean ₹83,333 in your bank. Employer PF (12% of Basic), Gratuity (4.81%), and income tax can reduce take-home by 25–40%. Our calculator shows you the exact split.

⚖️ New vs Old Tax Regime 2026–27

The New Tax Regime is the default for FY 2026–27 with ₹75,000 standard deduction and a ₹12L tax-free threshold under Section 87A rebate. Our calculator shows which regime puts more money in your pocket.

🏢 Company-Specific Salary Structures

TCS, Infosys, Wipro, HCL and other IT companies have different Basic:HRA ratios. We've modelled each company's typical payroll structure to give you accurate in-hand estimates before you accept an offer.

📄 Free PDF & Word Converter

Convert PDF to Word or Word to PDF — all in your browser. No upload, no account, no watermark. 100% private. Perfect for salary slips, offer letters, and HR documents.