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Salary Calculator

Turn your CTC into real take-home pay — full breakup, both tax regimes compared at FY 2025-26 rates, and the cheaper one picked for you.

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FY 2025-26 ceiling: ₹15,000. It is ₹25,000 from 17 Sep 2026 (PF up to ₹3,000 a month).
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Old-regime deductions (only affect the old regime)
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Full salary breakup

ComponentMonthlyAnnual

Old regime vs new regime

Same salary, both regimes at FY 2025-26 rates. The old regime uses your deductions above; the new regime allows only the ₹75,000 standard deduction.

RegimeTaxable incomeIncome taxAnnual take-home

FY 2025-26 rates
100% private
Both regimes compared
PDF breakup
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Salary Calculator

Free CTC to in-hand salary calculator for India (FY 2025-26) — full salary breakup, both old and new tax regimes with the cheaper one recommended, PF, gratuity, HRA exemption, and a downloadable salary breakup.

Salary Calculator — Convert CTC to In-Hand Salary Instantly

The CTC in your offer letter and the amount that lands in your bank account are two very different numbers. After employer PF and gratuity are carved out, and employee PF, professional tax and income tax are deducted, in-hand pay is always lower than CTC. This calculator breaks your CTC into a full salary structure and shows what you actually take home under the FY 2025-26 tax rules it is built on.

Enter your CTC and adjust the basic percentage, HRA, PF basis and deductions. It computes the tax under both the old and new regimes, tells you which one is cheaper and by how much, and gives you a downloadable breakup. No signup, no cost.

FY 2025-26 rules, done right

  • FY 2025-26 new-regime slabs. 0–4L nil, then 5/10/15/20/25/30% up to ₹24L — the rules this calculator applies. With the 87A rebate, income up to ₹12 lakh taxable is zero tax, and the standard deduction is ₹75,000.
  • Both regimes, side by side. The old regime applies your 80C, 80D, NPS, home-loan and HRA deductions; the new regime allows only the standard deduction. The tool picks the cheaper one and shows the saving.
  • Marginal relief is handled. Just above ₹12 lakh, and at the ₹50L/₹1cr/₹2cr surcharge thresholds, the extra tax is capped at the extra income — the fine print most calculators skip.
  • PF on basic, not gross. Provident fund is 12% of basic (capped at the ₹15,000 wage ceiling by default, or on full basic) — the old habit of taking 12% of gross overstates the deduction two- to threefold.
  • HRA exemption is the real formula — the least of actual HRA, rent minus 10% of basic, and 50%/40% of basic for metro/non-metro cities.

How to Calculate In-Hand Salary

1. Enter CTC

Type your annual Cost to Company (CTC) as mentioned in your offer letter or salary letter.

2. Salary Components

Adjust the basic salary percentage (typically 40-50%) and HRA as a percentage of basic; the special allowance makes up the rest.

3. Add Deductions

Choose how PF is worked out (12% of basic, capped or in full, or none), set professional tax, and add old-regime deductions such as 80C, 80D, NPS and home-loan interest.

4. View In-Hand

See gross monthly salary, all deductions, income tax, and final monthly take-home amount.

Salary Calculator Features

Full Salary Breakup

Basic, HRA, special allowance, gross salary, employee PF, ESI where it applies, professional tax, income tax and take-home — plus the employer PF and gratuity inside your CTC.

Both Tax Regimes

See in-hand salary under old regime (with deductions) and new regime — pick the better option.

Monthly + Annual

See both monthly take-home and annual figures at a glance for budget planning.

Visual Split

A bar showing how your CTC divides into in-hand pay, deductions, and employer-only benefits (PF and gratuity).

PDF Breakup

Download a clean, printable salary breakup to compare offers or keep for your records.

Free and Private

No signup, no tracking. Runs entirely in your browser.

Salary Calculator — FAQs

CTC is the total cost the company spends on you — salary + employer PF + gratuity + insurance + bonus. In-hand is what hits your bank account every month after deducting employee PF, professional tax, and income tax. How big the gap is depends on your salary structure and tax; the calculator shows it for your numbers.

Gross salary is CTC minus employer-only contributions (employer PF, gratuity, insurance). It's the amount before employee deductions are applied. Gross minus PF, professional tax, and income tax equals your in-hand.

Professional tax is a state tax deducted from salary in slabs, and some states, such as Delhi, don’t levy it at all. The calculator starts at ₹2,400 a year (₹200 a month); change it to your state’s amount, or 0 if your state doesn’t charge it.

Under the new regime for FY 2025-26, taxable income up to ₹12,00,000 pays zero tax because of the Section 87A rebate (up to ₹60,000). For a salaried person the ₹75,000 standard deduction sits on top, so a salary of roughly ₹12.75 lakh can come out tax-free. The moment you cross ₹12 lakh taxable, tax starts — but marginal relief means the first rupees over the line are taxed gently, not at the full slab. This calculator applies all of that automatically for FY 2025-26; check whether later Budgets have changed the figures.

It depends on your deductions. The new regime has lower rates and the ₹12 lakh rebate but allows almost no deductions. The old regime has higher rates but lets you subtract 80C (up to ₹1.5 lakh, including your PF), 80D health insurance, NPS, home-loan interest and HRA. As a rough guide, if your total deductions are large — a home loan, full 80C, big HRA — the old regime can still win; otherwise the new regime is usually cheaper. Rather than guess, set the regime to "Auto": the calculator computes both and picks the cheaper one, showing exactly how much it saves.

Employee provident fund is 12% of your Basic + DA, not of your gross salary. Many employers apply it on the statutory wage ceiling, ₹15,000 a month throughout FY 2025-26 (the year this calculator works out), so the deduction is capped at ₹1,800 a month (₹21,600 a year) — the ceiling rose to ₹25,000 from 17 September 2026, which caps it at ₹3,000 a month; others apply the full 12% of your actual basic, which is larger. Your employer contributes a matching amount, which is counted inside your CTC but does not reduce your take-home. This tool lets you pick the capped or full basis, because it changes both your in-hand pay and your 80C total.

Yes, completely free. No signup, no limits.