In-Hand Salary Calculator
Work out your real in-hand pay after income tax, EPF, National Insurance, FICA or the Medicare levy and other deductions. Every number is shown and you can edit it.
Default inflation rate for India: 5.5% per year, based on Reserve Bank of India / MoSPI (CPI) data (2026). You can override it in each calculator’s advanced options. See data sources for full citations.
How We Work It Out
In-hand pay is gross pay less statutory deductions:
Employee EPF is 12% of Basic; UK income tax applies after the £12,570 personal allowance (tapered above £100,000). Every input is editable.
Real-World Examples
India · ₹12.75 lakh CTC, new regime
With Basic at 40% of CTC and EPF on, taxable income falls to about ₹11.4 lakh, under the ₹12 lakh rebate ceiling, so income tax is ₹0. In-hand is roughly ₹11.5 lakh a year (about ₹96,000 a month) after the ₹61,200 employee EPF deduction.
UK · £100,000 gross, no pension sacrifice
Income tax is about £27,432 and employee National Insurance about £4,011, leaving take-home pay of roughly £68,557 a year (~£5,713/month).
US · $100,000 gross, single, federal only
After the $15,000 standard deduction, federal income tax is about $13,614, plus FICA (Social Security 6.2% + Medicare 1.45%) of $7,650, leaving federal take-home of roughly $78,736 a year (~$6,561/month). State tax is not included.
Australia · $100,000 resident, 2025-26
Income tax is about $20,788 and the 2% Medicare levy adds $2,000, leaving take-home pay of roughly $77,212 a year (~$6,434/month). Employer superannuation is paid on top and excluded from take-home.
Frequently Asked Questions (FAQ)
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