In-Hand Salary Calculator
Enter CTC and get salary breakup with PF, professional tax, and FY 2025-26 income tax. Supports old and new regimes with 80C and HRA.
Uses FY 2025-26 tax slabs. Assumes 40% basic, 12% PF (capped), ₹2,400 professional tax. Adjust HRA/80C for old regime.
How to Use
Step-by-step guide to get the most from this tool
- 1
Enter annual CTC
Type your cost-to-company in rupees.
- 2
Choose tax regime
Select new regime (default) or old regime for 80C/HRA inputs.
- 3
Adjust deductions
For old regime, enter 80C, HRA exemption, and other deductions.
- 4
Review breakup
See monthly in-hand, PF, tax, and full salary components.
Features
What makes this tool stand out
FY 2025-26 tax
Uses latest slabs and standard deductions.
Full breakup
CTC, gross, PF, tax, and take-home.
Old vs new regime
Switch regimes with deduction inputs.
Copy result
Copy monthly in-hand salary instantly.
PF cap
Applies statutory PF ceiling.
India-specific
Professional tax and Indian tax rules.
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Frequently Asked Questions
Quick answers to common questions
What is CTC vs in-hand salary?+
CTC is total employer cost. In-hand is what you receive after PF, professional tax, and income tax TDS.
Which FY tax slabs does this use?+
FY 2025-26 (AY 2026-27) slabs via the shared income tax engine, including updated standard deductions.
What is the standard deduction for FY 2025-26?+
₹75,000 under the new regime and ₹50,000 under the old regime for salaried employees.
How is PF calculated?+
Employee PF is 12% of basic, capped at ₹21,600/year when basic exceeds ₹15,000/month.
Which tax regime is better?+
New regime suits fewer deductions. Old regime helps if you use 80C, HRA, 80D, and NPS. Compare with our Income Tax Calculator.
What assumptions does this make?+
40% basic, 20% HRA component, 12% PF (capped), and ₹2,400 annual professional tax. Adjust HRA exemption for old regime.
Does this include surcharge and cess?+
Yes. Total tax includes Section 87A rebate where applicable, surcharge, and 4% health & education cess.
Can I copy my in-hand salary?+
Yes. Click Copy in-hand salary to copy the monthly take-home amount.