Salary In-Hand Calculator
Calculate your monthly take-home salary from annual CTC. Includes Employee PF, professional tax, and income tax under the new tax regime (Budget 2025, FY 2025-26 onwards, India).
Salary Details
⚠️ This is an estimate based on New Tax Regime. Actual salary may vary by company structure (HRA, special allowances, gratuity, insurance etc.).
Monthly Take-Home
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Monthly In-Hand (Estimated)
💡 New Regime Slabs
New tax regime (Budget 2025, FY 2025-26 onwards)
- 0–4L: Nil | 4–8L: 5% | 8–12L: 10% | 12–16L: 15% | 16–20L: 20% | 20–24L: 25% | Above 24L: 30%.
- Standard deduction ₹75,000.
- Section 87A rebate: no tax if taxable income ≤ ₹12L (salary up to ₹12.75L), with marginal relief just above ₹12L.
- Plus 4% Health & Education Cess.
📖 What's Deducted
Deductions Included
- Employee PF: 12% of Basic (matched by employer)
- Professional Tax: ₹200/month (₹2,400/year)
- Income Tax: New Regime with ₹75K standard deduction
- 4% Health & Education Cess on total tax
🎯 CTC Explained
CTC vs In-Hand
- CTC includes employer PF, gratuity, insurance, bonuses
- Gross = CTC minus employer contributions
- Net (In-Hand) = Gross minus employee PF, PT, tax
- In-hand is typically 65–80% of CTC
Frequently Asked Questions
What is the difference between CTC and In-Hand salary?▾
CTC (Cost to Company) is the total expense a company bears for you — including employer PF, gratuity, health insurance, bonuses. In-hand (take-home) is what actually hits your bank account after all deductions from gross salary.
Should I choose Old or New Tax Regime?▾
If you claim high deductions (HRA, 80C up to ₹1.5L, 80D medical insurance, home loan interest), Old Regime may save more. For most people without significant deductions, the New Regime is better — since Budget 2025 (FY 2025-26 onwards) it has wider slabs (nil up to ₹4L, 30% only above ₹24L) and a Section 87A rebate that makes taxable income up to ₹12L (₹12.75L salary after the ₹75K standard deduction) tax-free. This calculator uses the New Regime only.
Why is my actual salary different from this estimate?▾
Companies structure CTC differently — some include gratuity, insurance premiums, meal coupons, LTA, and other allowances. This calculator gives a simplified estimate. Check your actual offer letter for exact breakup.
⚠️ This calculator provides estimates for informational purposes only. Tax laws, bank rates, and regulations change — consult a qualified financial advisor for personalised advice.