In-Hand Salary Calculator
Calculate your monthly in-hand salary from CTC — with PF, professional tax, income tax, HRA, and all deductions broken down.
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How to use this calculator
- 1
Enter your annual CTC (Cost to Company) — this includes all components, employer PF, and gratuity.
- 2
Set your basic salary percentage — typically 40–50% of CTC.
- 3
Choose your tax regime — the new regime with standard deduction of ₹75K is default for FY 2025-26.
- 4
The calculator deducts employer PF, employee PF, income tax, and professional tax to arrive at in-hand salary.
Frequently asked questions
Why is my in-hand salary much lower than CTC?
CTC includes components you do not receive in hand — employer PF (12% of basic, up to ₹1,800/month), gratuity accrual, medical insurance premium, and other benefits. The actual cash in your bank is after employee PF (12% of basic), income tax, and professional tax are deducted from your gross salary.
What is the standard deduction for FY 2025-26?
Under the new tax regime, the standard deduction for salaried employees is ₹75,000 per year (increased from ₹50,000 in Union Budget 2024). Under the old regime, it remains ₹50,000. This is a flat deduction from gross salary before computing tax.
Should I choose the new or old tax regime?
The new regime benefits those with fewer deductions — if you do not have a large home loan, HRA exemption, or 80C investments, the new regime with its lower rates often results in less tax. The old regime benefits those who can fully utilise HRA, 80C (₹1.5L), 80D, home loan interest (₹2L under 24b), and NPS (additional ₹50K under 80CCD(1B)).
What is professional tax?
Professional tax is a state-level tax on salaried income. It is levied in Maharashtra, Karnataka, West Bengal, Andhra Pradesh, Telangana, Gujarat, and a few other states. The maximum is ₹2,500 per year. It is deductible from taxable income.
In-Hand Salary Calculator India — CTC to take-home for FY 2025-26
Understanding CTC vs gross salary vs in-hand
CTC = Gross Salary + Employer PF + Gratuity + Insurance. Gross Salary = Basic + HRA + Allowances. In-Hand = Gross Salary − Employee PF − Income Tax − Professional Tax. The gap between CTC and in-hand is typically 25–40% depending on tax slab, salary structure, and city.
New tax regime FY 2025-26 — is it better?
The new regime has no deductions but lower rates: 0% up to ₹4L, 5% (₹4–8L), 10% (₹8–12L), 15% (₹12–16L), 20% (₹16–20L), 25% (₹20–24L), 30% above ₹24L. With the ₹75K standard deduction and 87A rebate (no tax up to ₹12L taxable income), most salaried employees with CTC up to ₹12–15L benefit from the new regime.
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Results are estimates for informational purposes only and do not constitute professional financial, medical, legal, or technical advice. Read full disclaimer →