Salary Calculator (CTC to In-hand)
Break down your CTC into take-home pay after PF, professional tax, and income tax deductions. Uses the New Tax Regime for FY 2025-26 with the ₹75,000 standard deduction.
Educational Purpose Only:Calculations use New Tax Regime (FY 2025-26) with standard deduction. Actual in-hand pay may vary based on your employer's salary structure and other allowances.
What is CTC vs In-hand salary?
Cost to Company (CTC) is the total annual amount your employer spends on you, including your basic salary, allowances, employer PF contributions, and other benefits. Your in-hand or take-home salary is what actually reaches your bank account each month — which is significantly lower than CTC after mandatory deductions.
Key deductions from CTC to arrive at in-hand pay include: employer PF contribution (which is part of CTC but not paid to you directly), employee PF contribution (deducted from gross), professional tax (state levy, typically ₹2,400 per year), and income tax calculated on taxable income.
New Tax Regime slabs (FY 2025-26)
| Income Slab | Tax Rate |
|---|---|
| Up to ₹3,00,000 | Nil |
| ₹3,00,001 – ₹7,00,000 | 5% |
| ₹7,00,001 – ₹10,00,000 | 10% |
| ₹10,00,001 – ₹12,00,000 | 15% |
| ₹12,00,001 – ₹15,00,000 | 20% |
| Above ₹15,00,000 | 30% |
A 4% Health and Education cess applies on the tax amount. Full rebate under Section 87A is available if taxable income does not exceed ₹7,00,000 (effectively zero tax up to ₹7L under the new regime).
This calculator is for educational and illustrative purposes only. Actual in-hand salary depends on your employer's specific salary structure, additional allowances, perquisites, and other factors. Consult a tax professional or HR for your exact take-home pay.