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CTC to In-Hand Salary Calculator India — FY 2025-26

Calculate your exact monthly take-home salary from CTC. Covers PF, Professional Tax, HRA exemption, Section 80C/80D/NPS deductions, and Income Tax under both old and new tax regimes. Updated for Budget 2025 FY 2025-26 slabs. Free, instant, no signup.

✅ Old vs New Regime✅ HRA Exemption✅ 80C / 80D / NPS✅ PF Calculation✅ Professional Tax✅ FY 2025-26 Slabs✅ Section 87A Rebate✅ Free
✦ FY 2025-26 · Updated for Budget 2025

CTC to In-Hand
Salary Calculator

Exact take-home salary after PF, Professional Tax & Income Tax. Old vs New regime comparison — FY 2025-26.

New Regime Take-Home
₹94,276/month
Old Regime Take-Home
₹85,734/month
🟢
New Regime saves you more— ₹1,02,505 more per year (₹8,542/month)
BETTER FOR YOU
New Regime
₹94,276/month
₹11,31,312/year
Gross Salary
₹96,276/mo
Total Tax
₹0/mo
PF (Employee)
₹1,800/mo
Effective Tax Rate
0.0%
Old Regime
₹85,734/month
₹10,28,807/year
Gross Salary
₹96,276/mo
Total Tax
₹8,542/mo
PF (Employee)
₹1,800/mo
Effective Tax Rate
8.9%
📑New Regime Breakdown
Gross Salary₹11,55,312
└− Standard Deduction₹75,000
= Taxable Income₹10,80,312
Income Tax (Slab)₹0
└Health & Ed. Cess (4%)₹0
Total Tax₹0
Employee PF (12%)₹21,600
Professional Tax₹2,400
Annual Take-Home
₹11,31,312
₹94,276 / month
📑Old Regime Breakdown
Gross Salary₹11,55,312
└− Standard Deduction₹50,000
└− 80C/D/NPS/Other₹1,75,000
= Taxable Income₹9,30,312
Income Tax (Slab)₹98,562
└Health & Ed. Cess (4%)₹3,942
Total Tax₹1,02,505
Employee PF (12%)₹21,600
Professional Tax₹2,400
Annual Take-Home
₹10,28,807
₹85,734 / month
📊Gross Salary Composition
Basic
₹40,000
/month
₹4.80L/yr
HRA
₹20,000
/month
₹2.40L/yr
Special Allow.
₹36,276
/month
₹4.35L/yr
Employer PF
₹1,800
/month
₹21.6K/yr
Gratuity
₹1,924
/month
₹23.1K/yr
Gross Salary
₹96,276
/month
₹11.55L/yr
⚖️Tax Regime Comparison
ComponentNew RegimeOld 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 Rate0.0%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.