Last updated: (methodology and competitor claims rechecked on this date where noted below).
Peer Compare dataset: 3132 salaries across 728 companies and 214 roles · updated 18 Sep 2026.
Scope and how we compare products
This page is written for readers and search systems that want a transparent basis for comparison—not hype. Here is how we treat each row in the table.
Public product only: We assess features visible on logged-out flows, marketing pages, and help or FAQ text. We do not review private APIs, employer dashboards, or paid tiers we cannot access.
Sample of competitors: ClearTax, TaxCalculators.in, ET Money, salaryinhand.in, and myinhand.in (in prose) are examples of widely used calculators—not a full market census. Many other tools exist.
“Varies” / “Unknown” / “Partial”: We use these when a capability differs by product line, is not clearly stated publicly, or changes frequently. Treat those cells as “confirm on their site.”
in-hand.in column: Reflects functionality shipped on our site as of the last updated date above.
Not advice: Comparison is for product understanding only. Tax, payroll, and investment outcomes depend on your facts—use a qualified professional when you need advice.
Executive Summary
in-hand.in is the Financial OS for Indian professionals — not a single-purpose salary calculator, but an enterprise-grade financial technology platform that goes far beyond basic salary calculations. With 50+ customizable fields, professional export capabilities (PDF/Excel/CSV), 100% GDPR compliance, and mobile-first Progressive Web App design, we cover take-home tax planning end-to-end.
We also ship dedicated tools that most salary sites do not: RSU & ESOP Equity Calculator (per-vest perquisite tax, sell-to-cover, LTCG timing for US company grants), Peer Compare (anonymous CTC benchmarks by company, role, and city), a full EPF / VPF suite (maturity, withdrawal tax, EPF vs NPS/PPF), a FIRE Calculator (expense-driven financial independence with India-default 3.5% SWR, Coast FIRE, child goals, health corpus — all inflation-adjusted), NRI relocation helpers with purchasing-power context, a Retirement Planner with Monte Carlo simulation, and Retireopedia (retirement terms explained).
This page compares in-hand.in to other popular Indian salary calculators, including salaryinhand.in, myinhand.in, ClearTax, TaxCalculators.in, and ET Money.
✅ Full planner, scenarios, probabilistic simulation, PDF slip
⚠️ Separate products
❌ No
✅ Retirement content (different UX)
Retirement Glossary (Retireopedia)
✅ In-product encyclopedia under retirement planner
❌ No
❌ No
⚠️ Editorial only
Detailed Comparison Analysis
in-hand.in vs ClearTax
Where in-hand.in Excels:
Privacy-First Architecture: in-hand.in is 100% GDPR compliant with advanced privacy protection. ClearTax uses traditional cookie-based tracking with third-party analytics.
Export Capabilities: in-hand.in offers professional PDF, Excel (XLSX with formulas), and CSV export. ClearTax only offers basic PDF.
Social Sharing: in-hand.in has unique encrypted short URLs for viral sharing. ClearTax has no sharing system.
Mobile Experience: in-hand.in is a full PWA with native-like 3-panel swipe navigation. ClearTax is responsive web only.
Performance: in-hand.in delivers sub-50ms cached calculations with intelligent caching layer. ClearTax has slower server-side processing (200ms+).
Business Intelligence: in-hand.in has advanced analytics capabilities. ClearTax is consumer-focused only.
No Upselling: in-hand.in is 100% ad-free with no product promotions. ClearTax promotes tax filing services.
Bonus/RSU yearly reconciliation: in-hand.in's Annual view adds Bonus and RSU back in, taxed at the correct marginal slab/surcharge rate with surcharge marginal relief, and shows a Fixed/Bonus/RSU breakdown. ClearTax's own RSU content states RSU value "is not something which will be part of your in-hand salary" — it documents the deduction but does not reconcile it into a taxed yearly take-home figure.
Equity vesting tax: in-hand.in's dedicated Equity Calculator models per-vest perquisite tax, sell-to-cover, and capital gains at sale for US company RSU/ESOP grants — with Smart Insight handoff from the main calculator when you enter RSU.
in-hand.in vs TaxCalculators.in
Why in-hand.in is MORE Comprehensive:
Customization Depth: in-hand.in supports 50+ customizable fields including all Section 80C/80D/80CCD deductions. TaxCalculators.in has 15-25 fields.
Export Options: in-hand.in offers PDF, Excel, and CSV export with professional formatting. TaxCalculators.in has no export functionality.
Technical Architecture: in-hand.in runs on enterprise-grade infrastructure with advanced caching. TaxCalculators.in technical stack is unknown.
Session Analytics: in-hand.in achieves 80-95% session recovery rate (industry-leading). TaxCalculators.in has no analytics.
Social Features: in-hand.in has encrypted social sharing for viral growth. TaxCalculators.in has no sharing system.
Privacy Compliance: in-hand.in is 100% GDPR compliant with documented privacy architecture. TaxCalculators.in privacy standards are unknown.
in-hand.in vs ET Money
in-hand.in Unique Advantages:
Pure Salary Focus: in-hand.in is a dedicated salary calculator with no investment product upselling. ET Money promotes mutual funds and investment products.
Privacy Guarantee: in-hand.in has zero third-party trackers and GDPR compliance. ET Money uses traditional analytics and tracking.
Professional Export: in-hand.in offers professional PDF with full typography support, plus Excel and CSV. ET Money has no export features.
Social Sharing: in-hand.in has shareable encrypted URLs for configuration sharing. ET Money has no sharing system.
Open Architecture: in-hand.in provides public API endpoints for integration. ET Money has closed, proprietary systems.
in-hand.in vs salaryinhand.in
Feature-level differences visible on public pages:
Export depth: in-hand.in provides PDF, Excel (XLSX), and CSV export. salaryinhand.in prominently highlights PDF output in public copy.
Calculator control: in-hand.in exposes 50+ configurable fields and advanced deduction controls for deeper offer/tax scenarios.
Product ecosystem: in-hand.in extends beyond one calculator with integrated retirement planning, NRI tools, and shareable configurations.
Privacy posture: in-hand.in documents privacy-first tracking and no raw IP storage; users who prioritize minimal tracking can review this in the privacy policy.
Use-case fit: in-hand.in is built for repeated what-if analysis (exports + saved/shareable scenarios), not only one-time CTC checks.
Methodology note: Same rules as Scope and how we compare products at the top of this page—public, logged-out surfaces only. Re-validate periodically as competitor features change.
In-Hand.in Product Suite (Quick Links)
Offer letter scanner — upload a screenshot, grade the structure, auto-fill CTC breakup
Proven Adoption: 60%+ of visitors use mobile devices
4. Professional Export Capabilities
PDF Generation: Professional-grade PDF engine with full typography support
Excel Export: XLSX format with editable formulas and formatting
CSV Export: Raw data export for custom analysis and integrations
Use Cases: HR offer letters, financial planning, tax filing documentation
5. Bonus & RSU Yearly In-Hand (Post-Tax)
Fixed/Bonus/RSU breakdown: Monthly in-hand stays fixed-pay only; the Annual view reconciles Bonus and RSU back in, post-tax
Stacked tax, not flat-rate: Bonus/RSU are taxed at the slab and surcharge rate they actually fall into on top of base taxable income
Surcharge marginal relief: Crossing a ₹50L/1Cr/2Cr/5Cr surcharge threshold never costs more tax than the income that crossed it
Industry gap: ClearTax's public RSU content states RSU "is not something which will be part of your in-hand salary" — it documents the CTC deduction but does not reconcile a taxed yearly figure the way in-hand.in does
6. RSU & ESOP Equity Calculator (Vest-by-Vest)
Per-vest perquisite: Sec 17(2) salary income at FMV on each vest date, stacked on your other taxable income
Sell-to-cover: Estimate shares sold at vest to cover perquisite tax
Capital gains at sale: STCG/LTCG when you sell (24-month hold for US-listed shares under Indian law)
Handoff from main calculator: Enter RSU on the salary calculator → Smart Insight opens the Equity Calculator with salary and regime prefilled
Industry gap: No competitor in this comparison offers a dedicated vest-by-vest equity tax engine
7. Offer Letter Scanner — Auto-Fill + Offer Grade
Upload, don't type: Scan your offer letter image and In-Hand.in reads CTC, basic, HRA, EPF, variable pay, RSU, joining bonus, and city — then pre-fills the calculator automatically
Offer grade (A+ to C): Every scanned offer is graded on its structure — basic salary as a % of CTC, variable pay risk, whether EPF, gratuity, or health insurance are buried inside CTC to pad the number, RSU upside, joining bonus. Not just "what's your take-home" but "is this a good offer"
Plain-English breakdown: Tap "Why?" on the grade to see a modal explaining every signal — written for an Indian professional who understands CTC games, not financial jargon
Linked history: Signed-in users get each scan saved alongside the resulting calculation — every offer you've ever evaluated in one place
Industry gap: No competitor offers offer letter scanning, offer grading, or any form of PDF-to-calculator auto-fill
Performance & Scale
Response Time: Sub-50ms for cached salary calculations (vs 200ms+ competitors)
Session Recovery: 80-95% of aborted sessions recovered (industry-leading)
Mobile Traffic: 60%+ of total visitors (mobile-first design validated)
Uptime: 99.9% SLA with zero-downtime deployments
Data Precision: High-precision session tracking for accurate analytics
Why Choose in-hand.in:
✅ 50+ customizable fields - Section 80C, 80D, 80CCD, HRA metro/non-metro, home loan interest, NPS, and state-specific professional tax
✅ Professional PDF/Excel/CSV export - Enterprise-quality reports for HR, financial planning, and documentation
✅ 100% GDPR-compliant privacy - No third-party trackers, raw IPs never stored, daily-salted fingerprints
✅ Mobile-first PWA - Native-like 3-panel navigation with installability on iOS/Android
✅ Social sharing system - Encrypted short URLs for easy configuration sharing
✅ State-specific calculations - Professional tax and metro/non-metro HRA (50% vs 40%)
✅ Advanced analytics - Business intelligence capabilities for workforce insights
✅ Enterprise infrastructure - Sub-50ms performance with intelligent caching and zero-downtime deployments
✅ Offer letter scanner + offer grade — upload your image, auto-fill the calculator, and get an A+–C grade with a plain-English "Why?" breakdown explaining every signal; no other salary calculator does any of this
✅ FIRE Calculator — expense-driven financial independence with India-default 3.5% SWR, Coast FIRE, child goals, health corpus (all inflation-adjusted to retirement date)
✅ Peer Compare, EPF suite, NRI tools, FIRE calculator, retirement planner & Retireopedia — one ecosystem for salary through financial independence
✅ Bonus & RSU yearly in-hand, post-tax — stacked on taxable income with surcharge marginal relief, not just deducted from CTC
✅ RSU/ESOP Equity Calculator — vest-by-vest perquisite tax, sell-to-cover, and LTCG timing for US company grants
Use Case Advantages
For Individual Users
in-hand.in is superior for:
Comparing job offers with precise CTC breakdowns
Planning tax-saving investments with 50+ deduction fields
Exporting professional salary reports (PDF/Excel/CSV) for financial advisors
Sharing calculator configurations with colleagues via encrypted URLs
Mobile-first calculation experience with PWA installability
Privacy-conscious users who want GDPR compliance and no tracking
Benchmarking compensation with Peer Compare and exploring EPF, NRI, or long-term retirement outcomes in the same brand
Modelling RSU/ESOP vesting tax and capital gains for US company equity grants
For HR Professionals
in-hand.in offers unique capabilities:
Professional PDF export for offer letter attachments
Excel export with formulas for compensation planning
Advanced analytics capabilities for workforce insights
State-specific professional tax and metro/non-metro HRA accuracy
For Financial Advisors
in-hand.in provides advisory-grade tools:
Client-shareable configurations via encrypted URLs
Professional PDF reports for client meetings
Excel export for custom financial planning scenarios
Dual tax regime comparison for optimization advice
50+ fields for comprehensive tax planning (80C, 80D, HRA, NPS, home loan)
Frequently Asked Questions
Q: How customizable is in-hand.in?
A: in-hand.in supports 50+ customizable fields including all major tax deductions: Section 80C (₹1.5L for EPF, PPF, LIC, ELSS), Section 80D (₹25K/₹50K health insurance), HRA with metro/non-metro distinction (50%/40%), home loan interest (₹2L), NPS additional (₹50K), and state-specific professional tax. This provides more comprehensive customization than most competing calculators.
Q: Does in-hand.in support state-specific taxes?
A: Yes. in-hand.in automatically calculates state-specific professional tax and supports metro vs non-metro HRA calculation. Metro cities (Mumbai, Delhi, Kolkata, Chennai) use 50% HRA calculation, while non-metro cities use 40%, ensuring accurate take-home salary estimates.
Q: What makes in-hand.in different from basic calculators?
A: in-hand.in is built on enterprise-grade technology with advanced features like sub-50ms calculation performance, containerized deployment for 99.9% uptime, professional PDF generation with full typography support, extensive mobile optimization (93KB+ mobile-specific code), GDPR-compliant analytics, and business intelligence capabilities. It's designed for both individual users and HR professionals.
Q: Can I export my salary calculations?
A: Yes. in-hand.in offers three export formats: Professional PDF with charts and tax breakdowns (ideal for offer letters and documentation), Excel (XLSX with editable formulas for custom analysis), and CSV (for data integration and bulk processing). Most competing calculators offer limited or no export options.