PDFly XO

Salary & In-Hand Take-Home — Free Online Tool

Break down standard deductions, PF contributions, and estimated taxes.

Interactive Tool Workspace Ready

Upload your file to begin processing locally on your device with WebAssembly security.

How to Use Salary & In-Hand Take-Home Online

  1. Step 1: Enter Annual Cost to Company (CTC) — Input your gross annual CTC offer letter package in INR (₹).
  2. Step 2: Select Tax Regime & Basic Pay % — Choose between the simplified New Tax Regime or Old Tax Regime with 80C deductions and adjust Basic Salary ratio.
  3. Step 3: View Monthly In-Hand Take Home — Get exact breakdown of monthly gross pay, Employee PF (12%), Professional Tax, Income Tax (TDS), and liquid take-home.

Why Use PDFly XO for Salary & In-Hand Take-Home?

  • 100% Client-Side Privacy: All file processing is performed locally in your web browser. Your private documents are never uploaded to any remote server.
  • Zero Wait Time: Local WebAssembly execution ensures near-instant document processing without file size upload latency.
  • Free & Unlimited: Complete access with no subscriptions, watermarks, or hidden paywalls.

Frequently Asked Questions

Does this calculator support the New Tax Regime for FY 2024-25 / 2025-26?
Yes. It includes the revised tax slabs, zero tax liability up to ₹7 Lakhs / ₹7.75 Lakhs with Section 87A rebate, and the ₹75,000 standard deduction.
How is Employee Provident Fund (EPF) calculated?
EPF is calculated as 12% of your Basic Salary component, capped or matched according to statutory EPFO guidelines.
Can I compare take-home salary between New and Old Tax Regimes?
Yes. Easily toggle between New and Old regimes to see which option yields higher monthly liquid take-home pay for your salary bracket.

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