Know What Your Salary Is Really Worth.
Calculate your real in-hand salary, compare job offers, see your salary hike, check PF & gratuity, and build your resume — completely free.
My Salary & Career Toolkit
What Do You Want To Do?
SalaryGrid is designed around your real career and financial goals. Select an objective below to start:
Understand My Salary
Unpack deductions, tax regimes, and true bank credit
Get a Better Salary
Evaluate appraisals, negotiate hikes & compare job offers
Change My Job
ATS resume creation, notice periods & interview prep
Plan My Money
Loan EMIs, SIP wealth forecasting & everyday tax tools
Forecast compound wealth creation on ₹5k, ₹10k & ₹20k SIPs
How Much Of Your CTC Actually Reaches Your Bank Account?
Advertised CTC packages include employer PF contributions, statutory provisions, and tax deductions. Drag the slider or click a salary slab to see the exact cash drop:
On a ₹10.0 LPA CTC, ₹₹13,363/month does not reach your bank account immediately.
Got 2 Job Offers? Compare Take-Home Cash, Not Just CTC.
A ₹12 LPA offer with 15% variable pay often deposits less monthly cash than a ₹10 LPA 100% fixed offer. Test your competing offer letters with real payroll deductions:
Offer B gives you +₹12,808/month (+₹1,53,692/yr) more actual bank cash.
People Are Asking
Direct answers and calculators for common Indian salary and career dilemmas
“₹10 LPA in-hand salary in India”
₹72,400+ / month in New Tax Regime after PF & PT deductions.
“₹15 LPA salary in-hand per month”
Approx. ₹1,00,900 / month with ₹75,000 standard deduction.
“How much is 30% hike on ₹6 LPA?”
New CTC: ₹7.80 LPA (+₹1.80L/yr increment).
“₹12 LPA CTC monthly take-home salary”
Around ₹83,500 / month under the New Tax Regime.
“How much PF will I get after 10 years?”
Compounded with official 8.25% EPFO annual interest.
“How much gratuity will I receive for 5 years?”
Formula: 15 × Last Basic × 5 / 26 (Tax-free up to ₹20L).
“Which is better: ₹8 LPA vs ₹10 LPA offer?”
Compare monthly in-hand, bonuses & deductions side-by-side.
“How to calculate Last Working Day for 90-day notice?”
Input resignation date to get exact calendar end date.
“How to build a free ATS-friendly resume in India?”
Single-column format optimized for Workday, Taleo & Naukri.
Ready to Switch Jobs? Build an ATS-Friendly Resume Free.
Over 75% of resumes in Indian tech and corporate hiring get rejected due to parsing issues. Our single-column ATS Resume Builder uses clean ATS-friendly single-column formatting, standard section headings, and selectable text.
How Professionals Use SalaryGrid
Real scenarios from Indian job seekers, engineers, managers, and consultants:
“I thought my ₹12 LPA offer meant ₹1,00,000/month in-hand. SalaryGrid showed me exactly where the difference goes into EPF and taxes before I signed my contract.”
“The Offer A vs Offer B comparator saved me from taking a seemingly higher CTC that had 25% locked variable pay. In reality, Offer A had more monthly bank cash.”
“Built my ATS-friendly resume directly in the browser, calculated my 35% appraisal hike, and checked my 90-day LWD with zero signup forms or paywalls.”
Why Trust SalaryGrid?
Built for maximum speed, mathematical precision, and uncompromising user confidentiality.
100% Deterministic Math
Every formula follows verified Indian Income Tax slabs for FY 2026–27 (Section 115BAC / Old Regime), EPFO 8.25% interest rates, and the Payment of Gratuity Act 1972.
Client-Side Browser Privacy
Zero server roundtrips. All computations execute locally on your device. Your salary numbers, personal details, and resume text never leave your browser.
Zero Forced Signups
No account creation, no password gates, and no email captures before you see results. Jump right in and calculate take-home or export ATS resumes immediately.
Frequently Asked Questions
Essential facts about Indian payroll laws, take-home salary formulas, and career tools.
How is monthly in-hand salary calculated from annual CTC in India?
In-hand salary is calculated by taking your gross annual earnings (Basic Pay + HRA + Special Allowance) and deducting statutory employee EPF contributions (12% of basic), State Professional Tax (typically ₹200/month), and estimated Income Tax (TDS) under the New Tax Regime (with the standard ₹75,000 deduction) or Old Tax Regime.
What is the difference between Cost to Company (CTC) and In-Hand Salary?
CTC represents the complete annual expenditure an employer allocates for an employee, including basic salary, allowances, employer PF contributions (12%), gratuity provisions (4.81%), and annual variable performance bonuses. In-hand salary is the actual net liquid cash deposited into your bank account each month after statutory deductions.
How does the Offer A vs Offer B Comparator work on SalaryGrid?
Rather than just comparing total CTC headlines, our comparator calculates the actual monthly in-hand cash, annual take-home, employee PF savings, and tax liabilities for both offers side-by-side. It highlights which offer gives you more spendable bank cash.
Are all salary calculators, comparison engines, and the ATS resume builder free?
Yes! Every calculator, comparison tool, and the ATS resume builder on SalaryGrid is 100% free with no subscription plans, no paywalls, and no account registration required.
How does SalaryGrid protect user privacy and salary confidentiality?
All calculations and resume generation execute 100% client-side inside your web browser. Your salary numbers, career details, and resume text never leave your device and are never stored on remote servers.
Which income tax regime is better for salaried employees in FY 2026-27?
For most Indian salaried employees earning up to ₹15–20 LPA who do not have large home loan interest deductions (Section 24b) or heavy HRA exemptions, the New Tax Regime (Section 115BAC) with its revised lower tax slabs, ₹75,000 standard deduction, and Section 87A marginal relief yields higher monthly in-hand cash. Our calculators allow you to switch and compare both regimes instantly.
Explore Direct Take-Home Salary Guides
Pre-computed monthly in-hand and tax breakdowns for standard Indian CTC packages