Take-home salary calculator
Enter your CTC and instantly see your real monthly in-hand pay. We compare the new and old tax regimes, factor in EPF, professional tax and HRA exemption, and show you exactly which regime keeps more money with you.
Your salary details
Tweak the numbers — results update live
Extra PF beyond the mandatory 12%. Lowers your take-home now, grows your EPF — and it's 80C-eligible.
0.0%
Effective tax
of gross salary
₹6.2K
Deductions
per month
₹2.81K
Per day
365-day average
₹1.32L
Tax saved
vs other regime
₹85,395
per month
- Annual
- ₹10,24,740
- Income tax
- ₹0
₹74,430
per month
- Annual
- ₹8,93,157
- Income tax
- ₹1,31,583
The new regime keeps ₹10,965/month more in your pocket — ₹1,31,583 over the year.
What it really works out to
Your in-hand pay, by the day and the hour
Per working day
₹3,882
~22 days a month
Per hour
₹485
on an 8-hour day
What your CTC is made of
The five building blocks of your package
- Basic₹50K
- HRA₹25K
- Special₹16.59K
- Employer PF₹6K
- Gratuity₹2.4K
From CTC to your bank account
Follow every rupee — from the offer letter to what actually lands
What actually reaches you
₹10,24,740/yr
₹85,395/mo · 85% of your ₹12L CTC
- In-hand85%lands in your bank
- Your deductions6%your PF, professional & income tax
- Employer's cost8%on top of CTC — never your pay
Annual CTC
what your company spends on you
₹12,00,000/yr
₹1,00,000/mo
Employer's cost · on top of CTC
Gross salary
your real on-paper salary
₹10,99,140/yr
₹91,595/mo
Your deductions · taken from your pay
In-hand
lands in your bank · 85% of CTC
₹10,24,740/yr
₹85,395/mo
₹74,400/yr in deductions leaves your gross — that's 6.8% of it. Employer PF & gratuity are extra, on top of CTC; gratuity is paid out only when you leave, not every month.
Monthly in-hand
₹85,395
Methodology
How in-hand salary is calculated
Your offer letter quotes CTC — the total a company spends on you. But several parts of CTC never reach your bank account. Here’s the journey from CTC to the number that actually lands each month.
- 1
Split the CTC
CTC is broken into Basic (≈50%), HRA, special allowance, employer PF and gratuity.
- 2
Find the gross
Gross salary = CTC − employer PF − gratuity. These are employer costs, not your pay.
- 3
Remove your deductions
Subtract your 12% EPF, state professional tax, and income tax under the better regime.
- 4
Divide by twelve
The annual in-hand divided by 12 is your real monthly take-home.
New regime slabs
DefaultAfter ₹75,000 standard deduction · FY 2025-26
| Up to ₹4,00,000 | Nil |
| ₹4,00,001 – ₹8,00,000 | 5% |
| ₹8,00,001 – ₹12,00,000 | 10% |
| ₹12,00,001 – ₹16,00,000 | 15% |
| ₹16,00,001 – ₹20,00,000 | 20% |
| ₹20,00,001 – ₹24,00,000 | 25% |
| Above ₹24,00,000 | 30% |
Old regime slabs
After ₹50,000 standard deduction · age below 60
| Up to ₹2,50,000 | Nil |
| ₹2,50,001 – ₹5,00,000 | 5% |
| ₹5,00,001 – ₹10,00,000 | 20% |
| Above ₹10,00,000 | 30% |
Plus a 4% health & education cess and surcharge on high incomes, in both regimes. The old regime additionally allows 80C, 80D, HRA and home-loan deductions.
Worked examples
Real take-home, across five careers
From a first job to a corner office, here’s exactly how CTC turns into in-hand pay — every figure computed by the same engine that powers the calculator above. Pick a profile to see the breakdown.
Monthly in-hand
0.0%
Effective tax
₹10.25L
In hand / year
Zero income tax — the §87A rebate under the new regime keeps taxable income up to ₹12 lakh entirely tax-free.
Where your ₹12L goes
share of CTC
- Take-home
- 85%
- ₹10,24,740
- Your EPF
- 6%
- ₹72,000
- Professional tax
- 0%
- ₹2,400
- Employer PF + gratuity
- 8%
- ₹1,00,860
Take-home is what reaches your bank each year. EPF is still yours — it just compounds in your retirement account instead.
Questions
Frequently asked
What is take-home (in-hand) salary?
Take-home salary is the amount credited to your bank account each month after all deductions — your own EPF contribution, professional tax and income tax (TDS) — are removed from your gross salary. It is always lower than your CTC, because CTC also includes employer contributions like employer PF and gratuity that you never receive in hand.
How is in-hand salary calculated from CTC?
First, CTC is split into components: Basic, HRA, special allowance, employer PF and gratuity. Gross salary is CTC minus employer PF and gratuity. From gross we subtract your 12% EPF contribution, professional tax and income tax to arrive at the annual in-hand, which is then divided by 12 for the monthly figure.
Which is better — the new or old tax regime in FY 2025-26?
It depends on your deductions. The new regime has lower slab rates and a ₹75,000 standard deduction, and income up to ₹12 lakh is effectively tax-free thanks to the §87A rebate. The old regime is usually better only if you claim large deductions such as 80C (₹1.5L), HRA exemption, NPS and home-loan interest. This calculator computes both and tells you which leaves more in your pocket.
Is income up to ₹12 lakh really tax-free under the new regime?
Yes. For FY 2025-26 the §87A rebate makes tax zero when your taxable income is up to ₹12,00,000. With the ₹75,000 standard deduction, a salaried person can earn up to ₹12.75 lakh of salary and pay no income tax under the new regime. Marginal relief applies just above ₹12 lakh.
How much EPF is deducted from my salary?
You contribute 12% of your Basic salary to EPF, and your employer contributes a matching 12%. If your company applies the ₹15,000 wage ceiling, the contribution is capped at ₹1,800 per month. Your own contribution reduces your in-hand pay but builds your retirement corpus.
Does professional tax apply everywhere in India?
No. Professional tax is a state levy capped at ₹2,500 per year. States like Karnataka, Maharashtra, West Bengal and Tamil Nadu charge it, while Delhi, Haryana, Uttar Pradesh and a few others do not levy it at all. Select your state in the calculator for an accurate figure.