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Need detailed information about tax slabs, HRA calculation, or EPF?
View Complete FAQ Guide Tax Slabs • HRA • Deductions • EPFDoes this work for RSUs and stock options?
Yes! Unlike other calculators, we handle equity compensation from startups and tech companies. Just add your vested RSUs/ESOPs to get accurate tax calculations.
Can I download a professional report for my manager?
Absolutely! Get a clean PDF breakdown perfect for salary negotiations, loan applications, or HR discussions. No other calculator gives you this.
What's the maxout button and why is it genius?
One click to max out all your tax deductions (80C, 80D, NPS). No manual calculation needed - we optimize your taxes instantly. Pure laziness, maximum savings.
Does this work for RSUs and stock options?
Yes! We're one of the few calculators that properly handles equity compensation. Add your vested RSUs, ESOPs, or stock options to your total income and get accurate tax calculations. Perfect for tech workers at startups, FAANG companies, or any company with equity compensation plans.
Remember: Only vested equity counts as taxable income. Unvested grants aren't taxed until they vest.
Can I download a professional report for my manager?
Absolutely! Our professional PDF download gives you a clean, detailed breakdown perfect for:
- Salary negotiations with HR
- Home loan applications
- Visa applications requiring income proof
- Financial planning discussions
No other calculator provides this level of professional documentation. Just hit the download button after your calculation!
What's the maxout button and why is it genius?
The maxout button is pure laziness optimization! One click automatically fills:
- 80C deductions: ₹1.5 lakhs (PF, ELSS, PPF)
- 80D medical insurance: ₹75,000
- NPS additional: ₹50,000
Instead of researching optimal deduction amounts, just click maxout and see your maximum tax savings instantly. No other calculator has this feature - because they make you work harder for the same result!
Is my salary information private and secure?
Yes! We follow a privacy-first approach with user choice:
- Calculations happen in your browser with results saved for your convenience
- We use daily-salted visitor tracking (not persistent cookies)
- Analytics data is anonymized and aggregated
- You can opt-in for enhanced features with explicit consent
- DPDP Act 2023 compliant with transparent data practices
- 100% ad-free experience
You can review our complete Privacy Policy for full details.
What is in-hand salary vs CTC?
In-hand salary is your actual take-home pay after all deductions from CTC (Cost to Company). CTC includes basic salary, allowances, employer EPF contributions, and other benefits. Your in-hand salary is typically 70-80% of your CTC due to income tax, EPF, and professional tax deductions.
What deductions are included in the calculation?
Our calculator includes all standard Indian salary deductions:
- Employee PF: 12% of basic salary (capped at ₹1,800/month)
- Professional Tax: ₹200/month in most states
- Income Tax: Based on chosen regime and applicable slabs
- Standard Deduction: ₹75,000 (new regime) / ₹50,000 (old regime) for FY 2025-26
- HRA Exemption: Section 10(13A) calculation (old regime)
- 80C, 80D Deductions: As per your inputs (old regime)
More Topics Covered in Our FAQ
₹1 Lakh CTC Salary Breakdown
Typical for stipends, part-time roles, or very entry-level offers. No income tax; see your exact in-hand per month.
Is 1 LPA a good salary in India?
Yes. 1 LPA is an entry-level salary in India — it places you in the entry tier (based on 2,420 salary calculations, Feb 2026). In Bangalore it's entry tier; Pune it's entry tier; Mumbai it's entry tier; Delhi it's entry tier; Hyderabad it's entry tier. After tax and deductions, in-hand is typically ₹7,733 per month (new regime, FY 2025-26).
Estimated Monthly Breakdown
| Component | Monthly Amount |
|---|---|
| Basic Salary (40%) | ₹3333 |
| HRA (40%) | ₹3333 |
| Estimated In-Hand Salary | ~₹7,733/month (new regime) |
💡 Tax Optimization Tip
Income well below taxable limit. No income tax; only minimal deductions if any (e.g. PF if applicable).
What 1 LPA means for your lifestyle
Suitable for: Interns, part-time, stipends, first stipend
₹2,000 - ₹5,000
₹1,500 - ₹3,000
₹500 - ₹1,500
₹1,000 - ₹3,000
City: Metro — PG or shared room only. Tier-2 — PG or shared 1BHK. Tier-3 — Basic 1BHK possible.
Housing: Usually PG or family support; shared accommodation.
Vehicle: Public transport or two-wheeler.
Investment: Focus on learning; save whatever little you can.
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