In-Hand™ Your money, in clarity.

Salary, savings and plans for India · FY 2026-27

Know what you earn.
And what it can become.

Your CTC isn't your salary. Here's what is.

See what actually reaches your bank, how it compares with 4,376 salaries from people like you, and what it can become.

1,948
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4,376
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958
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Your take-home salary

FY 2026-27

₹18L a year

Where your ₹1.5L goes every

In-hand / mth
Income tax / mth ₹12.5K 8.4%
Your PF / mth ₹9K 6%
Tune every line of your CTC Basic %, HRA, PF, bonus, RSUs, 80C/80D

Salary Pulse

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Latest salaries

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Company, role and cityCTC
ThoughtWorksSoftware Engineer · Bengaluru₹33L
Cognizant Technology Solutionsdata engineer · Chennai₹6.6L
Dell TechnologiesTechnical Staff · Bengaluru₹92L
CGI Inc.Senior Business Analyst · Bengaluru₹10L
NielsenData Scientist · Bengaluru₹28.2L

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years old. Change it to your age and every plan below updates.

Retirement

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By 60 you'd have, in today's money

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₹18L in feels like:

Cost of living only (purchasing power), a year's salary, before tax in either country.

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Rohit Nigam
“Indian professionals were piecing their money together from five to seven disconnected tools, each with different assumptions and none talking to each other. So I built one place that connects salary, retirement and peer benchmarking, and still matches your payslip down to the last rupee.”
Rohit NigamCreator of In-Hand.in, ex-Software Engineer at Meta Read the story

What's about to change your salary

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  • 4,376 salaries on Salary Pulseacross 958 companies, and more every day.
  • Budget 2027 is on 1 FebMembers will see what it changes for their in-hand that evening.
  • FY 2026-27 rules, worked out exactlyIncome up to ₹12 lakh is tax-free under the new regime's 87A rebate.