Take-Home Salary Calculator
Know exactly what lands in your bank account every month. Enter your CTC and this calculator breaks down your gross salary, all deductions — PF, Professional Tax, Income Tax — and shows you your actual in-hand salary under both the new and old tax regimes for FY 2025-26.
Key facts for FY 2025-26
- • New regime: 0% tax up to ₹12 lakh (rebate u/s 87A)
- • Standard deduction: ₹75,000 (new) / ₹50,000 (old)
- • 4% Health & Education Cess on all income tax
- • Employee PF: 12% of basic (mandatory up to ₹15,000 basic)
Salary Structure
Typically 40–50% of CTC
50% metro / 40% non-metro is common
PF & Other Deductions
Standard is 12%. Opt-out available if basic > ₹15,000.
₹200/month is standard in most states.
Calculations are indicative and based on FY 2025-26 tax slabs. Actual take-home may vary based on employer-specific allowances, ESOP taxation, or other benefits. Consult a CA for personalised advice.
Frequently Asked Questions
What is the difference between CTC and take-home salary?
CTC (Cost to Company) is the total annual expense your employer incurs for you, including employer PF contributions and gratuity provisions. Take-home (in-hand) salary is what you actually receive after deducting employee PF, income tax, and professional tax.
Which tax regime is better — new or old?
It depends on your deductions. If you claim large deductions (80C, HRA, 80D), the old regime may save more tax. For people with fewer deductions or higher salaries, the new regime is often simpler and cheaper. Compare both and pick the lower tax option.
How is income tax calculated on salary?
Taxable income = Gross Salary − Standard Deduction − applicable exemptions (HRA, 80C, etc.). Tax is applied slab-by-slab on this taxable income. A 4% Health & Education Cess is added to the final tax amount.
What is the standard deduction for salaried employees in FY 2025-26?
Under the new tax regime, the standard deduction is ₹75,000 per year. Under the old regime, it is ₹50,000.
Is PF mandatory?
EPF (Employee Provident Fund) at 12% of basic salary is mandatory if your basic salary is ₹15,000 or less per month. If your basic exceeds ₹15,000, you can opt out of PF or limit contributions to the statutory ceiling of ₹15,000. Many employers continue PF on the full basic regardless.
What is Professional Tax?
Professional Tax is a state-level tax on salaried employees, deducted by your employer. It varies by state — Maharashtra charges a maximum of ₹2,400/year, while some states do not levy it at all.