Salary Calculator (India)
Annual CTC → monthly in-hand salary. Employee PF, professional tax and income tax (new regime, FY 2025-26).
Convert CTC to in-hand salary in India with the FY 2025-26 new tax regime: PF, professional tax, standard deduction, slabs, rebate and cess all factored in. Get a monthly breakdown of your take-home.
Per Income Tax Act, FY 2025-26 new regime (Rs 75,000 standard deduction, rebate up to Rs 12 lakh). Indicative — verify with a tax professional.
Assumptions: Basic = 50% of gross · Employee PF = 12% of basic · Professional tax = ₹200/month · Income tax per FY 2025-26 new regime (standard deduction ₹75,000, rebate up to ₹12L, 4% cess). Indicative only — not financial advice.
How to use the Salary Calculator India
- Enter your annual CTC.
- Adjust PF and professional tax if needed.
- See monthly in-hand, tax and deductions with the full breakdown.
Frequently asked questions
How do I calculate in-hand salary from CTC?
Enter your CTC above — the tool deducts PF, professional tax and income tax to show your monthly in-hand amount.
Does it use the new or old tax regime?
The FY 2025-26 new regime by default: standard deduction Rs 75,000, and zero tax up to Rs 12 lakh income thanks to the rebate.
Why is my in-hand less than 80% of CTC?
CTC includes employer PF contributions, gratuity and insurance that never reach your account. In-hand is typically 75-85% of CTC.
Are these tax numbers official?
They follow the published FY 2025-26 slabs, but this is indicative — confirm with a tax professional before filing.
Fun facts about Salary Calculator
- The word 'salary' comes from the Latin 'salarium,' which is believed to relate to 'sal' (salt) — Roman soldiers were sometimes paid in salt or given an allowance to buy it.
- Britain first introduced income tax in 1799 to pay for the war with Napoleonic France; it was abolished in 1816 and brought back in 1842.
- The concept of 'take-home pay' vs 'gross pay' exists because employers withhold taxes, social security, and other deductions before issuing your paycheck.
- In India, the income tax year runs from April 1 to March 31 — different from the calendar year used in most Western countries.
- The highest marginal income tax rate in history was 94% in the United States during 1944-1945, applied to income over $200,000 (about $3.5 million in today's dollars).