In-Hand™ Your money, in clarity.

Salary, savings and plans for India · FY 2026-27

Know what you earn.
And what it can become.

Your CTC isn't your salary. Here's what is.

See what actually reaches your bank, how it compares with 4,423 salaries from people like you, and what it can become.

2,007
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4,423
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970
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Your take-home salary

FY 2026-27

₹18L a year

Where your ₹1.5L goes every

In-hand / mth
Income tax / mth ₹12.5K 8.4%
Your PF / mth ₹9K 6%
Tune every line of your CTC Basic %, HRA, PF, bonus, RSUs, 80C/80D

Salary Pulse

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What people at your company actually get paid, by role and city. Add yours anonymously and see more.

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Latest salaries

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Company, role and cityCTC
HeadoutSoftware Engineer · Bengaluru₹34.2L
Muthoot GroupSenior AI Engineer · Bengaluru₹30.5L
Expedia GroupSDE 3 · Delhi NCR₹47.9L
MicrosoftSoftware Engineer · Hyderabad₹49.9L
SaksoftConsultant · Mumbai₹5L

Plan what comes next.

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years old. Change it to your age and every plan below updates.

Retirement

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By 60 you'd have, in today's money

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Moving abroad?

What your salary is worth there Expat / NRI

₹18L in feels like:

Cost of living only (purchasing power), a year's salary, before tax in either country.

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Rohit Nigam
“Indian professionals were piecing their money together from five to seven disconnected tools, each with different assumptions and none talking to each other. So I built one place that connects salary, retirement and peer benchmarking, and still matches your payslip down to the last rupee.”
Rohit NigamCreator of In-Hand.in, ex-Software Engineer at Meta Read the story

What's about to change your salary

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  • 4,423 salaries on Salary Pulseacross 970 companies, and more every day.
  • Budget 2027 is on 1 FebMembers will see what it changes for their in-hand that evening.
  • FY 2026-27 rules, worked out exactlyIncome up to ₹12 lakh is tax-free under the new regime's 87A rebate.