More Than Just a Calculator
In-Hand.in is the Financial OS for Indian professionals — one platform spanning salary, RSU/equity, EPF, retirement, and peer benchmarking, engineered for accuracy, privacy, and power. Discover the advanced features that make us India's most trusted salary calculator.
Editorial standard: Descriptions reflect the live product as maintained by the In-Hand.in team. Capabilities change over time—see the linked tools for current behaviour. Last reviewed: . Not individualized tax or investment advice.
Peer Compare dataset: 3133 salaries across 728 companies and 214 roles · updated 18 Sep 2026.
Offer Letter Scanner — Auto-Fill + Offer Grade
The fastest way to calculate your in-hand salary — and the only tool that tells you if your offer is actually good. Upload your offer letter image and In-Hand.in reads it for you: CTC, basic, HRA, EPF, variable pay, joining bonus, RSU, city, and job context are extracted and pre-filled into the calculator automatically. No manual entry needed.
After scanning, every offer is graded A+ to C based on its structure — not just the headline CTC. Basic salary as a % of CTC, variable pay risk, whether EPF, gratuity, or health insurance are buried inside CTC to inflate the number, RSU upside, joining bonus. Tap Why? for a plain-English breakdown of every signal that went into the grade — so you know exactly what to negotiate before you sign.
Dual Tax Regime Support (FY 2026-27)
Compare Old and New tax regimes side-by-side with accurate FY 2026-27 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, 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.
Bonus & RSU: Yearly In-Hand, Post-Tax
Monthly in-hand is calculated on fixed pay only — Basic, HRA, and allowances. Switch to the Annual view and we add Bonus and RSU back in, taxed correctly: both are stacked on top of your base taxable income and taxed at the slab and surcharge rate they actually fall into (not a flat-rate estimate), with surcharge marginal relief applied at the ₹50L/1Cr/2Cr/5Cr thresholds. A breakdown panel shows exactly how much of your Bonus and RSU survive tax, alongside the Fixed contribution.
RSU & ESOP Equity Calculator
Dedicated tool for Indian employees holding equity from US-listed or US-based companies. Model multiple vesting tranches with USD or INR FMV, per-vest perquisite tax (Sec 17(2)), capital gains at sale (STCG/LTCG — 24-month hold for US shares under Indian law), sell-to-cover estimates, LTCG timelines, and sell-now-vs-wait insights. Enter RSU on the main calculator and a Smart Insight links here with your salary and RSU amount prefilled.
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 Equity Vesting Tax (when you enter RSU, links to the Equity Calculator with your salary prefilled). For anonymous market benchmarks, open Peer Compare (filters, percentiles, optional contribution). Insights update in real-time as you adjust salary inputs.
Peer Compare — Anonymous Salary Benchmarks
Compare your CTC with peers by company, role family, city, and experience. See P25, median, and P75 bands, then jump back into the calculator with one click. No account required. Dedicated salary pages for top companies (Google, Microsoft, Amazon, Infosys, TCS) and cities (Bengaluru, Pune, Hyderabad, Gurgaon).
EPF, VPF & Corpus Calculators
Beyond payroll EPF in the main calculator: standalone tools for balance growth, VPF impact on in-hand, withdrawal tax scenarios, EPF vs NPS/PPF, combined retirement projections, and salary-band entry points for quick planning.
NRI Relocation & Purchasing Power
Understand equivalent salaries across Indian and global cities using PPP-style data. Pre-built conversion pages for common moves plus an interactive hub for custom scenarios.
FIRE Calculator
Expense-driven financial independence calculator. Enter monthly spend → get your FIRE corpus (inflated to retirement date), years away, monthly SIP needed, and Coast FIRE number. India-default 3.5% SWR, 6% inflation. Includes children's education and wedding goals, health corpus (inflated to retirement), and a corpus-accumulation chart. No account required.
Retirement Planner, Monte Carlo & Retireopedia
Plan corpus with SIP scenarios, probabilistic Monte Carlo simulation, saved plans, and PDF retirement slips. Retireopedia is our in-product glossary for FIRE, annuities, corpus targets, and related terms — linked from the planner.
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 2026-27 Indian Income Tax laws with accurate tax slab rates, rebates, and surcharges.
How We Calculate Peer Compare Scores
Company pages on Peer Compare show four sub-scores plus an overall Company Score, each derived directly from anonymous, self-reported salary submissions.
Pay Volatility Score
For every submission at a company, we compute stock + bonus as a percentage of total CTC. The score is the median of that percentage across all of the company's submissions, scaled to 1-10.
- 1-3 (Stable): pay is mostly fixed base — up to ~20% variable
- 4-6 (Mixed): a meaningful share is bonus/stock — up to ~40% variable
- 7-10 (Volatile): more than 40% of pay depends on bonus and stock performance
These are the same thresholds used to label individual salary rows Stable/Mixed/Volatile elsewhere on Peer Compare, so the company-level score never contradicts the rows beneath it.
Equity Score
Pay Volatility Score treats stock and bonus as one number, which hides a real difference — stock is ownership upside, bonus is closer to guaranteed cash. Equity Score isolates stock alone as a percentage of total CTC (median across submissions, scaled to 1-10), so you can tell whether a company's variable pay is real equity or mostly a cash bonus.
- 1-3 (Cash-heavy): little to no real equity — up to ~20% stock
- 4-6 (Mixed): a meaningful chunk is stock — up to ~40%
- 7-10 (Equity-heavy): more than 40% of pay is stock/RSU
Get Rich Score
We compute the median CTC for every company in the dataset with enough submissions, then rank a company's median as a percentile against every other qualifying company (excluding the company's own value from the comparison set), scaled to 1-10. A higher score means the company pays at the top end of the market relative to every other company we track.
Pay Spread Score
Two companies can pay the same median CTC and have the same comp mix, but one pays everyone almost the same while the other varies widely. Pay Spread Score measures the gap between a company's P25 and P75 CTC relative to its own median, scaled to 1-10 — higher means wider, less predictable pay, not "worse" pay.
- 1-3 (Narrow): pay bands are tight and standardized
- 4-6 (Moderate): a real but moderate spread between quartiles
- 7-10 (Wide): pay varies widely — highly dependent on negotiation, level, or track
Company Score (overall)
Company Score blends the four sub-scores above into a single 1-10 answer to "how good is this company to work for, pay-wise, all things considered": 50% Get Rich Score + 20% Equity Score + 15% (inverted) Pay Volatility Score + 15% (inverted) Pay Spread Score, rounded to the nearest whole number. Pay level and real equity upside count in a company's favor; unpredictable pay — high volatility or a wide P25-P75 spread — counts against it, even though neither sub-score is labeled "bad" on its own card.
Company Score only appears once a company has all four sub-scores available, so it carries the same 12-submission minimum as the rest.
Data requirements
A company needs at least 12 self-reported submissions with a valid CTC before any score is shown — below that, we don't display a number built on too little data. Scores only appear on a company's own dedicated page, not on city- or role-filtered views of that company, since those narrower slices don't represent the company as a whole. As more salaries are submitted, more companies cross the threshold.