About InHandCalc

Free, fast Indian personal finance calculators — built for the salaried professional who just wants a straight answer.

Why we built this

Every April, millions of Indian employees get their appraisal letters and ask the same question: "What does this CTC actually mean for my monthly salary?" The existing tools either bury the answer in dark-pattern upsells, require a login, or produce a single number with no explanation of how they got there.

InHandCalc exists to fix that. We show you the full breakdown — employer EPF, employee EPF, professional tax, income tax under both regimes — so you understand every rupee, not just the final figure. And we make the new vs old tax regime comparison front and centre, because that one decision can save you tens of thousands of rupees a year.

What's on the site

Our principles

• No dark patterns. The calculator is the first thing you see, not a lead-capture form.
• No login required. Every tool works instantly, no account needed.
• Transparent math. We show the full breakdown, not just the answer, so you can verify it against your payslip.
• Mobile-first. Most Indian internet users are on phones. Every page is built for a mid-range Android on a 4G connection.
• Updated annually. We review all tax constants every February after the Union Budget and update before April 1.
• Honest about limitations. We clearly state that surcharge (for incomes above ₹50 lakh) is not modelled, and that individual circumstances vary.

Who this is for

InHandCalc is built for salaried employees in India — software engineers, finance professionals, government employees, and anyone else evaluating a job offer, planning tax-saving investments before March 31, or just trying to understand their payslip. It is not a high-income tax tool and does not handle business income, capital gains, or complex deductions.

Accuracy and limitations

All calculators are updated for FY 2026-27 (AY 2027-28) using slab rates and deduction limits verified against the Income Tax Act as amended by the Union Budget 2026. Known limitations include: surcharge for incomes above ₹50 lakh is not modelled; professional tax uses a two-state approximation; EPF uses the standard 12% of basic without the EPS split. These limitations are noted on each relevant calculator page.

InHandCalc is for informational purposes only and does not constitute tax, legal, or financial advice. Please consult a qualified chartered accountant for your specific situation.