Frequently asked questions

InHandPay is a free set of salary tools for India. It converts a CTC into your true monthly in-hand salary, compares the new and old tax regimes live, and includes 8 calculators in all: in-hand salary, in-hand to CTC (reverse), income tax, HRA exemption, PF, gratuity, salary hikes, and offer comparison. Alongside those you get plain-English guides on reading salary slips and negotiating offers, plus a downloadable salary report PDF.

Yes. Every calculator, every guide, and the site itself are free, with no account or email required. We also sell optional premium guidebook PDFs and a downloadable salary report. Those are clearly marked, and nothing on the free side is gated behind them.

CTC (cost to company) includes money you never see monthly: the employer’s PF contribution, gratuity accruals, insurance premiums, and often a variable bonus that is annual and discretionary. After employee PF, professional tax, and income tax (TDS) are deducted from the rest, the monthly credit is typically 15–25% below CTC ÷ 12. Our CTC vs in-hand guide walks through a full example rupee by rupee.

For most salaried people without large deductions, the new regime now wins. It has lower slab rates, a ₹75,000 standard deduction, and Section 87A relief that makes income up to about ₹12.75 lakh effectively tax-free. The old regime can still win if you claim substantial HRA, home-loan interest, and 80C/80D deductions. Every InHandPay calculator shows both regimes side by side so you can see your own break-even.

The tax engine uses FY 2026-27 slabs, the ₹75,000 standard deduction, Section 87A marginal relief, and 4% cess, and it is re-verified after every Union Budget. Results are estimates, though: we assume a typical CTC structure (basic percentage, employee PF as the main 80C item, a flat professional-tax estimate per state), and your employer’s exact structure may differ. Treat the output as a close planning number, not a payroll statement.

FY 2026-27 (assessment year 2027-28), using the slabs and rules announced in the most recent Union Budget. We update the engine each February when the Budget changes anything.

Use them for planning and negotiation prep. Knowing your true in-hand is exactly the anchor you need before a counter-offer. For loan applications, lenders will ask for actual salary slips and Form 16; our salary report PDF is a planning document, not an income proof.

Please tell us. Accuracy is the whole product. Use our contact page and mention the calculator, your inputs, and what you expected. Confirmed issues are usually fixed within days.

No. Every calculation runs locally in your browser using JavaScript. The values you type are never sent to or stored by InHandPay. PDFs are also generated on your device. Our privacy policy has the full details.

No. There is no signup and no login. Every calculator works the moment you open it, and nothing is held back behind an email. The one place we ask for an email is an optional opt-in on the salary report, for people who want to be told when tax rules change. It is never required, and your report downloads either way.

A branded PDF of your complete salary break-up (monthly in-hand, both tax regimes, PF, and every deduction), generated on your device from the in-hand calculator. It costs ₹49, as a one-time payment.

Four paid deep-dive PDFs that go beyond the free guides: The Complete Offer Letter Decoder (₹199), Salary Slip Mastery (₹149), The PF Wealth Playbook (₹149), and The Salary Negotiation Masterclass (₹299). They add the scripts, worksheets, annotated examples, and checklists that a free article can’t carry.

All four premium guidebooks in one download for ₹499 instead of ₹796, the cheapest way to get the full set. Checkout is a one-time payment through SuperProfile, and the files are yours forever.

Checkout happens on SuperProfile. Immediately after payment you get a download link for the PDF (or a zip of all four for the bundle), and SuperProfile also emails it to you, so you can re-download later.

InHandPay is built and maintained by Centaur Creations, an independent Indian product studio. We are not a bank or lender, so we have no incentive to inflate your numbers or harvest your data.

The tax engine is re-verified after every Union Budget (each February), and calculators and guides are added round the year. The offer comparison calculator and the salary negotiation guide are recent additions.