Calculate your exact monthly & annual take-home salary after PF, professional tax, and income tax deductions - using the latest FY 2025-26 tax slabs. No sign-up. No data stored.
✓ FY 2025-26 Updated✓ Old & New Regime✓ 100% Private✓ Instant Results
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In-Hand Salary Calculator
Calculate your take-home salary using the latest applicable tax structure.
Monthly In-Hand
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Annual: ₹0
Gross Monthly
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Total Deductions
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Tax (Monthly)
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📊 Salary Breakdown
Component
Monthly (₹)
Annual (₹)
Gross Salary
₹0
₹0
Employee PF
₹0
₹0
Professional Tax
₹0
₹0
Income Tax (Est.)
₹0
₹0
Total Deductions
₹0
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🏢 Employer Contribution (not credited to your bank)
Component
Annual (₹)
Employer PF
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— How It Works —
How This Calculator Works
Enter your CTC once - get a complete salary breakdown in seconds.
1
Enter Your CTC
Type your annual Cost to Company - the total package mentioned in your offer letter.
2
Set Preferences
Choose your state for professional tax, basic salary %, PF contributions, and preferred tax regime.
3
Get Full Breakdown
Instantly see gross salary, all deductions (PF, PT, tax), and your exact monthly in-hand pay.
4
Compare Regimes
Switch between Old and New tax regimes and get a smart recommendation on which saves you more.
What Is In-Hand Salary?
In-hand salary is the actual amount of money an employee receives in their bank account after all deductions are applied. While job offers and pay slips often mention gross salary or Cost to Company (CTC), the in-hand salary is what matters for monthly expenses and financial planning.
Deductions that typically reduce gross salary include employee provident fund (PF) contributions, income tax deducted at source (TDS), professional tax, and other statutory deductions. Because of these deductions, the in-hand salary is always lower than the gross salary or CTC mentioned in an offer letter.
Difference Between CTC, Gross Salary, and In-Hand Salary
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CTC
Total employer cost - includes employer PF, insurance, gratuity, and all benefits. Highest number, never reaches your bank.
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Gross Salary
CTC minus employer-side costs. Still before employee-side deductions like PF and taxes.
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In-Hand Salary
What actually lands in your bank account. Gross salary minus PF, professional tax, and income tax.
Old vs New Tax Regime - Overview
🆕 New Regime (Default)
Lower tax rates across all slabs
Standard deduction of ₹75,000
No HRA, 80C, 80D exemptions
Best for those with fewer investments
Rebate: Zero tax up to ₹7 lakh income
📋 Old Regime
Higher base rates
Standard deduction of ₹50,000
Allows HRA, 80C, 80D, LTA, NPS deductions
Best for those with high investments/rent
Rebate: Zero tax up to ₹5 lakh income
Use the calculator above and switch between regimes to instantly see which one saves you more based on your exact CTC.
For a typical ₹10L CTC, most employees take home ₹65,000–₹72,000/month after all deductions.
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New Regime: Zero Tax up to ₹7 Lakh
Under FY 2025-26, Section 87A rebate makes income up to ₹7L completely tax-free under the New Regime.
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Employer PF Capped at ₹1,800/month
Employer PF is capped at 12% of ₹15,000 (₹1,800/month) regardless of your actual basic salary.
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PT Varies by State - Max ₹2,500/year
Professional Tax is charged by only ~12 Indian states. The maximum allowed by law is ₹2,500/year.
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Std. Deduction Saves up to ₹22,500 in Tax
The ₹75,000 standard deduction in New Regime saves up to ₹22,500 annually for those in the 30% slab.
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Employer PF Never Reaches Your Bank
Employer PF is part of your CTC but goes directly to your EPF account - not your monthly in-hand salary.
FAQ
Frequently Asked Questions
In-hand salary (also called take-home pay or net salary) is the amount you actually receive in your bank account after all statutory deductions - including Employee PF, professional tax, income tax (TDS), and any other applicable deductions - are subtracted from your gross salary.
Income tax is assessed annually but deducted monthly from your salary as TDS (Tax Deducted at Source). Your employer estimates your total annual tax liability and divides it into 12 equal monthly installments, deducting it each month from your salary.
Yes. In-hand salary can change when: (1) your CTC changes via increment or promotion, (2) the government revises tax slabs in the Union Budget, (3) PF contribution rules change, or (4) you switch tax regimes. This calculator is updated for FY 2025-26 reflecting the latest Budget changes.
CTC (Cost to Company) is the total amount your employer spends on you annually, including employer-side costs like Employer PF, ESIC, gratuity provision, and insurance. Your in-hand salary is always significantly lower than CTC because these employer costs plus your own deductions (PF, tax, PT) are all subtracted.
It depends on your deductions and investments. The New Regime is better if you have fewer deductions (no HRA, no 80C investments). The Old Regime is better if you claim HRA, invest heavily in 80C (ELSS, PPF, insurance), or have a home loan. Use this calculator - switch between regimes to instantly see your tax savings under each.
Yes. The calculator uses FY 2025-26 tax slabs, standard deduction of ₹75,000 (New Regime) and ₹50,000 (Old Regime), and Section 87A rebate rules. For the New Regime, income up to ₹7 lakh is effectively tax-free after the rebate. We update the calculator promptly with every Union Budget change.
Completely. All calculations run entirely in your browser using JavaScript. No data is transmitted to any server, stored in any database, or shared with any third party. Close the browser tab and all inputs are gone. We don't even use cookies for the calculator.
Professional Tax (PT) is a state-level tax levied on salaried individuals. Not all states charge it. Currently: Maharashtra charges ₹2,500/year (for salary > ₹10,000/month), Karnataka charges ₹2,400/year (for salary > ₹15,000/month), and Tamil Nadu charges ₹2,500/year. This calculator supports these three states - select "None/Other" if your state doesn't charge PT.
Start Calculating
Enter your CTC above - all free, all private, updated for FY 2025-26.