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.