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Disclaimer
Please read this Disclaimer before using InHand CTC (https://inhandctc.in/). By using this website and its calculator, you agree that the results are for general information and education only.
1. Not professional advice
InHand CTC does not provide tax, payroll, accounting, legal, HR, investment, or financial advice. Nothing on this site creates an advisor–client, CA–client, lawyer–client, or fiduciary relationship. We are not your Chartered Accountant, tax advisor, payroll processor, or employer.
2. Estimates only
Calculator outputs are approximate. They use simplified Indian salary assumptions (for example basic %, EPF, gratuity provision, professional tax by state, and new vs old regime income tax for Tax Year 2026–27). Real take-home depends on your offer letter, employer payroll policy, city, rent, investments, bonuses, insurance, NPS, LTA, and other components we may not model (including full HRA exemption and many old-regime deductions).
3. Rules change
Income-tax slabs, rebates, EPF rules, professional tax, and company salary structures change. We try to keep the tool current, but we do not guarantee it matches the latest law, Budget notifications, EPFO circulars, or your employer’s implementation on any given day.
4. Do not use as a substitute for official sources
Before you accept an offer, file a return, or make a financial decision:
- Check your offer letter / salary annexure and payslip
- Review Form 16 / Form 26AS where relevant
- Consult the Income Tax Department, EPFO, and your state’s professional-tax authority
- Speak with a qualified Chartered Accountant or tax professional
Do not treat calculator output as a replacement for income-tax return computation, TDS planning, investment proof submission, or payroll processing.
5. No government affiliation
InHand CTC is an independent educational tool. It is not affiliated with, endorsed by, or connected to the Government of India, the Income Tax Department, EPFO, any state government, or any employer or payroll vendor.
6. Limitation of liability
To the maximum extent permitted by applicable law, the operators of InHand CTC are not liable for any loss, claim, or decision arising from use of (or reliance on) this website or its estimates — including career, negotiation, tax-filing, or investment decisions.
7. Related documents
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