Why InHandPay exists
Here is the moment that started this: a friend accepted a ₹12,00,000 offer expecting a lakh a month. The first credit was ₹85,400. Nobody had lied, but nobody had explained, either. The employer’s PF contribution was inside the CTC. So was gratuity he wouldn’t see for five years. The “performance bonus” was annual, discretionary, and taxed. What remained was 15% smaller than what he had negotiated rent around.
That gap between CTC and in-hand salary costs Indian professionals real money at every career step. You anchor a negotiation on the wrong number. You pick the flashier of two offers and take home less. You never audit a salary slip because it reads like a legal document.
So we built the tool we wished existed: type your CTC, get your true monthly in-hand with the new vs old tax regime compared live, in seconds, for free, with no signup. Then we kept going.
What InHandPay is today
A full salary toolkit for India. Every calculator free, every calculation done in your browser:
- 8 salary calculators: the flagship CTC to in-hand calculator, plus In-Hand to CTC Calculator , Income Tax Calculator , HRA Exemption Calculator , PF Calculator , Gratuity Calculator , Salary Hike Calculator , and Offer Comparison Calculator .
- Plain-English guides: from reading your salary slip to negotiation tactics that work in India.
- A downloadable salary report: your complete break-up as a branded PDF you can use for planning, loans, or negotiation prep.
- Premium playbooks: four deep-dive guidebooks for the moments where a calculator isn’t enough and the stakes are a lakh or more (more on those below).
Who we build for
Freshers holding their first offer
You have a CTC, a start date, and no idea what lands in your account on the 1st. We turn that offer letter into a monthly number before you sign, not after your first payday surprises you.
Job switchers comparing offers
A ₹22 LPA offer with variable-heavy pay can put less in your bank than ₹19 LPA fixed. Our offer comparison calculator puts both on true monthly value, so you negotiate the right one.
Anyone about to negotiate
HR negotiates salaries every week. You do it once every two years. Our negotiation guide and scripts level that field, starting with knowing exactly what a number is worth in-hand.
People decoding their salary slip
Basic, HRA, special allowance, EPF, PT, TDS: every line explained in plain English, plus the checks that catch payroll mistakes before March does.
What makes InHandPay different
Your salary never leaves your browser
No login, no account, and nothing standing between you and your result. Every calculation runs locally in your browser, so your salary figures are never sent to us. The only thing we ever ask for is an optional email, if you want to hear when the Budget changes the numbers.
Built for FY 2026-27, not 2019
Current new-regime slabs, Section 87A marginal relief, state-wise professional tax, the ₹15,000 PF cap decision. Updated after every Union Budget, because a stale calculator is worse than none.
Answers in 10 seconds, not 10 tabs
One field (your CTC) and you see your monthly in-hand with new vs old regime compared live. No 14-field forms that feel like filing your return early.
Plain English, zero jargon
We write the explanation your HR won’t give you. If a guide needs a tax degree to read, we failed. Every guide is backed by a calculator so you can check your own numbers.
The free tools get you the number. The playbooks get you the money.
A calculator can tell you a ₹18 LPA offer pays ₹1,21,000 a month. It cannot tell you which of the offer’s 23 line items is a red flag, what to say when HR claims the “budget is fixed”, or how to restructure the CTC before you sign. For that we wrote four premium guidebooks, the same research behind this site, taken all the way to scripts, worksheets, and checklists:
- The Complete Offer Letter Decoder : decode any offer structure in 15 minutes and spot the 7 red flags HR hopes you miss.₹199
- Salary Slip Mastery : audit your payroll line by line and catch TDS, PF and reimbursement errors before March.₹149
- The PF Wealth Playbook : the ₹15,000-cap decision, EPS pension math, and VPF strategy worked out for you.₹149
- The Salary Negotiation Masterclass : word-for-word scripts from the recruiter screen to the final counter-offer.₹299
Best value · save ₹297
The Complete Salary Stack
All four playbooks in one download: decode the offer, audit the slip, max out PF, and negotiate like it’s your job. One good counter-offer conversation pays for it a hundred times over.
₹499 ₹796
Get the Complete Salary Stack →Who is behind this
InHandPay is built and maintained by Centaur Creations, an independent Indian product studio. We are not a bank or lender, and we have no incentive to inflate your numbers or harvest your data. We publish our privacy practices and the assumptions behind every calculation, and we update the tax engine after every Union Budget.
Start where everyone starts: find out what your CTC is really worth. It takes one field and ten seconds, and it might change your next negotiation.