In-Hand Salary Calculator
Jobs & CareerWork out monthly take-home pay from CTC after PF, professional tax and income tax, in both regimes.
Runs entirely in your browser — nothing is uploaded
Features
- Monthly and annual take-home from any CTC.
- New and old regime side by side, with the better one highlighted.
- HRA exemption and Chapter VI-A deductions for the old regime.
- Line-by-line working: slabs, section 87A rebate, surcharge and cess.
- Nothing is uploaded — the whole calculation runs in your browser.
How to use the In-Hand Salary Calculator
- 1Enter your annual CTC and the basic percentage your employer uses.
- 2Pick a tax regime, and for the old regime add your rent and 80C or 80D amounts.
- 3Read the monthly in-hand figure and check the regime comparison before you declare.
Frequently asked questions
Which tax regime should I choose?
The new regime wins for most salaried people who do not claim large exemptions, because of the higher standard deduction and the rebate up to ₹12 lakh of taxable income. The old regime can still win with substantial HRA, 80C and home loan interest. Enter your real numbers and compare — the tool shows both.
Why is my in-hand salary so much lower than my CTC?
Employer PF and gratuity are inside CTC but never paid monthly, variable pay is only paid when it is earned, and employee PF, professional tax and income tax come out of what remains. A gap of 25% to 35% between CTC and take-home is normal.
Which financial year does this use?
The slabs, standard deduction and rebate are for FY 2025-26 (AY 2026-27), including the ₹75,000 standard deduction and the section 87A rebate up to ₹12 lakh of taxable income under the new regime.
Is this the exact amount I will receive?
No. It is a close estimate for a salaried individual under 60 and leaves out perquisites, employer NPS, arrears and income from outside your salary. Your payroll team's computation is the one that counts.