More Than Just a Calculator
In-Hand.in is an enterprise-grade financial technology platform engineered for accuracy, privacy, and power. Discover the advanced features that make us India's most trusted salary calculator.
Dual Tax Regime Support (FY 2025-26)
Compare Old and New tax regimes side-by-side with accurate FY 2025-26 calculations. Old regime offers ₹2.5L exemption with 80C/80D/HRA deductions, while New regime provides ₹4L exemption with simplified taxation. Make informed decisions and maximize your take-home salary.
50+ Customization Fields
Model any salary structure with unparalleled detail. We support every standard Indian tax deduction, including Section 80C (₹1.5L), 80D (₹75K), HRA (metro/non-metro 50%/40%), home loan interest (₹2L), NPS (₹50K), EPF+ voluntary contributions, bonus/RSU deduction, pension maximization, and state-specific professional tax. Advanced features include K/L/Cr notation for fast input (type "12L" instead of "1200000") and auto-optimization of tax deductions.
World-Class Visual PDF Reports (Unlike Any Other Calculator)
No other salary calculator generates PDFs like this. Our enterprise-grade tax slips include dual tax regime comparison side-by-side, interactive SVG donut charts showing monthly income split (Tax/EPF/Other/Take-home), waterfall charts visualizing CTC → Deductions → Take-home flow, detailed tax slab breakdowns, efficiency metrics with progress bars, and Apple-inspired minimalist design. Also export to Excel (XLSX with formulas) or CSV for custom analysis. Powered by WeasyPrint and ReportLab with full typography support and A4 print optimization.
Encrypted Social Sharing
Share your salary calculation with recruiters, mentors, or friends via a secure, encrypted short URL. The shared link pre-fills the calculator with your exact inputs, making discussions and comparisons seamless and private.
100% GDPR-Compliant & Private
Your privacy is paramount. We use a privacy-first analytics system with SHA-256 IP hashing and daily-salted fingerprints. Your financial data never leaves your browser, and we never store raw IP addresses.
Mobile-First PWA
Enjoy a native app-like experience on your phone. Our Progressive Web App (PWA) features a 3-panel swipe navigation system and is fully optimized for mobile, with over 93KB of dedicated mobile-specific code.
State-Specific Taxes
Get more accurate calculations with state-level tax support. The system automatically handles professional tax based on state and tracks geographic data for precise, localized results and analytics.
AI-Powered Smart Insights (Automatic Guidance)
Get instant financial intelligence without any extra work. Our Smart Insights panel automatically generates personalized guidance: Tax Regime Optimization (shows which regime saves you more money with exact ₹ amounts), Investment Projections (calculate 15-year wealth from 20% take-home at 12% returns), Home Loan Eligibility (max loan amount and EMI you can afford based on your salary), and Peer Benchmarking (coming soon). All insights update in real-time as you adjust your salary inputs - no manual calculations needed.
See It In Action: Real Calculation Examples
Example 1: Software Engineer in Bangalore
📊 Input Details:
- CTC: ₹18,00,000/year
- Basic Salary: ₹7,20,000 (40%)
- HRA: ₹3,60,000 (Metro: 50% exemption)
- Section 80C: ₹1,50,000 (EPF + ELSS)
- Section 80D: ₹25,000 (Health Insurance)
- NPS (80CCD): ₹50,000
- Professional Tax: ₹2,400 (Karnataka)
💰 Results:
- New Regime: ₹1,07,250/month take-home
- Old Regime: ₹1,12,833/month take-home
- Best Choice: Old Regime
- Monthly Savings: ₹5,583 more
- Annual Tax Saved: ₹66,996
- HRA Exemption: ₹1,80,000/year
- Tax Efficiency: 75.2% of CTC retained
Example 2: Senior Manager in Mumbai with Home Loan
📊 Input Details:
- CTC: ₹35,00,000/year
- Basic Salary: ₹15,75,000 (45%)
- HRA: ₹7,87,500 (Metro: 50% exemption)
- Section 80C: ₹1,50,000 (PPF + LIC)
- Section 80D: ₹50,000 (Self + Parents)
- Home Loan Interest: ₹2,00,000
- NPS (80CCD): ₹50,000
- Professional Tax: ₹2,500 (Maharashtra)
💰 Results:
- New Regime: ₹1,78,250/month take-home
- Old Regime: ₹1,95,417/month take-home
- Best Choice: Old Regime
- Monthly Savings: ₹17,167 more
- Annual Tax Saved: ₹2,06,004
- HRA Exemption: ₹3,93,750/year
- Total Deductions Used: ₹4,50,000
- Tax Efficiency: 67.0% of CTC retained
🧠 Automatic Smart Insights (Based on Example 1)
💡 Tax Optimization
Old regime saves you ₹5,583/month (₹66,996/year) compared to new regime. Maximize HRA and 80C deductions.
📈 Wealth Building
Investing 20% of take-home (₹22,567/month) could build ₹1.12 crore in 15 years at 12% returns.
🏠 Home Loan Power
You can afford a home loan of up to ₹60 lakhs with EMI of ₹54,000/month (40% of take-home).
All calculations follow FY 2025-26 Indian Income Tax laws with accurate tax slab rates, rebates, and surcharges.