Salary In-Hand Calculator 2025 – Free Tax Estimator Online

Salary in-hand & Tax estimator
Estimate net take-home salary, tax breakup & download a payslip (India defaults).
Salary components
Deductions & Contributions
Location / HRA settings
Advanced / overrides
Tip: leave standard deduction & surcharge blank to use government defaults for the selected regime.
Summary
Currency:
Monthly take-home: -
Annual take-home: -
Estimated tax (annual): -
Total deductions (annual): -
Note: This is an estimator. Always verify with your payroll / tax advisor. Rules and slabs used are shown below.
Slabs & rules used
Payslip preview
Fill employee name in payslip before download
Employee Name
Employer:
Period:
Location: -
Earnings
Deductions
Net Pay
-
Important
  • Tool uses Indian tax slabs & defaults. Tax rules can change — always verify with official sources.
  • Standard deduction defaults: Old regime ₹50,000; New regime ₹75,000 (can be customized in Advanced).
  • Section 87A rebate and marginal relief is applied where applicable (per government rules).

🧾 Introduction

Ever wondered why your salary slip shows a different amount than what comes into your bank account? Or confused between old vs new tax regime and how it impacts your take-home salary?

That’s where our Salary In-Hand Calculator & Tax Estimator Tool comes in.
This free online tool helps you calculate your exact monthly in-hand salary, tax liability, deductions, and even lets you download a professional payslip – all in a few clicks.

more info about cash in hand


🔍 What is the Salary In-Hand & Tax Estimator Tool?

The Salary In-Hand Calculator is a free online tool developed by FreeResults.in that:

  • Breaks down your salary components (Basic, HRA, Allowances, PF, Professional Tax).
  • Applies tax slabs for both Old and New regimes.
  • Shows deductions like 80C, 80D, HRA exemptions, Standard Deduction.
  • Instantly calculates your net take-home pay.
  • Lets you download a PDF payslip for record-keeping.

⚙️ How the Tool Works – Step by Step Guide

  1. Enter Your Salary Details
    • Gross salary, Basic, HRA, Rent paid, Other allowances.
  2. Add Deductions
    • PF contribution, 80C investments (LIC, PPF, ELSS, etc.), 80D (health insurance), and Professional Tax.
  3. Select HRA Option
    • Choose Metro or Non-Metro to apply correct HRA exemption rules.
  4. Pick Tax Regime
    • Compare Old vs New regime instantly to see which saves more tax.
  5. View Instant Results
    • Get a complete salary summary including:
      • Gross vs Net salary
      • Taxable income
      • Tax liability
      • Deductions breakdown
  6. Download Payslip (Optional)
    • Generate a professional PDF payslip with your salary breakup.

📊 Why This Tool is Useful for You

Plan your Finances Better – Know your exact in-hand salary before planning EMIs, rent, or expenses.
Compare Old vs New Tax Regime – Instantly see which one gives you more take-home.
Understand Salary Slip – Breaks down PF, HRA, and allowances clearly.
Generate Payslip – Useful for freelancers, consultants, or when your employer doesn’t provide one.
Free & Easy – No registration, 100% free forever.


📝 Example – How Much Salary Do You Actually Get?

Suppose your CTC is ₹8,00,000/year.

  • After PF, Professional Tax, and Standard Deduction → Taxable income reduces.
  • Under Old regime, tax may be ₹34,000.
  • Under New regime, tax may be ₹26,000.
  • So your monthly in-hand salary changes depending on which regime you choose.

This tool shows you side-by-side comparison instantly.


⚖️ Old vs New Tax Regime (2025 Update)

  • Old Regime – Continue claiming deductions like 80C, 80D, HRA, Standard Deduction.
  • New Regime – Lower tax rates, but very limited deductions.
  • Our tool applies Budget 2025 rules so you get accurate results.

📥 How to Use on FreeResults.in

  1. Scroll to the tool section below.
  2. Enter your salary details in the calculator.
  3. Get your instant results with pie chart visualization.
  4. Optionally, click “Download Payslip” for PDF export.

📌 Conclusion & Disclaimer

The Salary In-Hand & Tax Estimator Tool is designed to help you understand your salary structure, deductions, and net take-home pay instantly. It’s especially useful for employees, job seekers, freelancers, and anyone planning personal finance.

⚠️ Disclaimer: This tool is for educational purposes only. Results are estimates and may vary depending on employer policies, actual deductions, and government updates. Please consult a tax professional for official advice.

Also Check Other Tools :- HRA & Rent Breakup Calculator

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