CTC to In-Hand Salary Calculator India — FY 2025-26
Calculate your exact monthly take-home salary from CTC, including PF, Professional Tax, HRA, deductions and income tax under both regimes.
Advanced: Old regime deductions
New Regime saves you more — ₹1,02,505 less tax per year (₹8,542/month).
Detailed Breakdown
Gross Salary Composition
Where your CTC actually goes, per year
Tax Regime Comparison
| Component | New Regime | Old Regime |
|---|---|---|
| Gross Salary | ₹11,55,312 | ₹11,55,312 |
| Standard Deduction | ₹-75,000 | ₹-50,000 |
| HRA Exemption | ₹0 | ₹-0 |
| 80C / 80D / NPS / Other | ₹0 | ₹-1,75,000 |
| Taxable Income | ₹10,80,312 | ₹9,30,312 |
| Income Tax (Slab) | ₹0 | ₹98,562 |
| Surcharge | ₹0 | ₹0 |
| Health & Ed. Cess (4%) | ₹0 | ₹3,942 |
| Total Income Tax | ₹0 | ₹1,02,505 |
| Employee PF | ₹21,600 | ₹21,600 |
| Professional Tax | ₹2,400 | ₹2,400 |
| Net Annual Take-Home | ₹11,31,312 | ₹10,28,807 |
| Net Monthly Take-Home | ₹94,276 | ₹85,734 |
| Effective Tax Rate | 0.0% | 8.9% |
Disclaimer: This calculator provides estimates based on standard salary structures and FY 2025-26 tax rules. Actual take-home may vary based on your exact salary structure, employer policies, and specific deduction eligibility. Consult a CA for personalised tax advice.
CTC to In-Hand Salary — Everything You Need to Know
Your CTC (Cost to Company) includes components that never reach your bank account — employer PF contribution (12% of basic) and gratuity (4.81% of basic) are part of CTC but paid separately. This calculator deducts them to find gross salary, then applies employee PF, professional tax and income tax to give you the exact in-hand amount.
Frequently Asked Questions
How is in-hand salary calculated from CTC?
In-hand salary = Gross Salary − Employee PF − Professional Tax − Income Tax. Gross Salary = CTC − Employer PF (12% of basic) − Gratuity (4.81% of basic). This calculator does all steps automatically with your exact inputs.
Which tax regime is better in FY 2025-26?
The new regime (Budget 2025) has lower slabs and a full rebate for taxable income up to ₹12 lakhs. The old regime is better if your total deductions (80C + 80D + HRA + NPS) exceed roughly ₹3–4 lakhs. Use this calculator to compare both with your exact numbers and see which saves more.
What is the new tax regime slab for FY 2025-26?
0–₹4L: Nil, ₹4–8L: 5%, ₹8–12L: 10%, ₹12–16L: 15%, ₹16–20L: 20%, ₹20–24L: 25%, above ₹24L: 30%. Standard deduction is ₹75,000. If taxable income is ₹12 lakhs or below, Section 87A gives a full rebate — effectively zero tax.
What is PF deduction on salary?
Employee PF = 12% of basic salary. If basic exceeds ₹15,000/month, most companies cap PF at ₹1,800/month (12% of ₹15,000). The employer also contributes 12% of basic, which is part of your CTC but not deducted from your salary.
How is HRA exemption calculated?
HRA exemption in old regime = minimum of: (1) actual HRA received, (2) rent paid minus 10% of basic salary, (3) 50% of basic for metro cities or 40% for non-metro. This exemption is not available in the new tax regime.