Know Your Real Salary – Not Just the CTC on Paper
Most job offers quote your CTC (Cost to Company), but your in-hand salary — the amount that reaches your account — can be 20–30 % lower once PF and income tax are deducted.
Our free Salary Calculator India 2025 shows your complete CTC breakup, helping you estimate your take-home salary after tax, HRA, PF and deductions under the latest FY 2025-26 tax slabs.
It’s India’s most practical salary calculator for professionals comparing old vs new tax regime results.
Want more free tools? Please explore Our Tools Hub Page.
CTC to In-Hand Salary Calculator India
Simply enter your annual CTC, choose Basic %, HRA %, city type, and tax regime.
The tool auto-calculates your PF, standard deduction, and tax liability, displaying your monthly in-hand salary and annual summary in real time. This tool does not consider the rebate of INR 60000 and INR 12,500/-
Salary (In-hand) Calculator
Enter your CTC and optional components. FY2025–26 assumptions: Standard deduction ₹50,000; Employee PF 12% (editable).
Results
How to Use This Salary Calculator
- Enter your total annual CTC excluding employer contribution to PF (e.g., ₹ 15,00,000).
- Adjust Basic Pay % and HRA % to match your salary structure.
- Choose City Type (Metro or Non-metro) for HRA exemption.
- Enter Rent Paid per month if applicable.
- Verify PF % (usually 12 %) and Standard Deduction ₹ 50,000.
- Pick the Tax Regime – Old or New – and click Calculate.
- Review your CTC breakup chart and compare in-hand salary under both regimes.
💡 Tip: Run this tool before accepting an offer or switching regimes in FY 2025-26.
What the Calculator Includes
✅ CTC breakup calculator showing Basic, HRA, LTA, PF, and allowances
✅ Automatic computation of take-home salary after tax
✅ Accurate PF and income-tax deductions as per FY 2025-26
✅ Comparison of Old vs New tax regime
❌ Advanced rebates (87A) and surcharge not included (kept simple for clarity)
Salary Structure Example (₹ 15 L CTC)
| Component | Old Regime | New Regime |
|---|---|---|
| Taxable Income | ₹ 11,25,000 | ₹ 12,60,000 |
| Tax + Cess | ₹ 1,23,976 | ₹ 98,558 |
| Monthly Take-Home | ₹ 1,04,752 | ₹ 1,11,811 |
| Higher In-Hand | — | ✅ New Regime (+₹ 7 k/month) |
Salary Structure in India – Explained
| Element | Typical % of CTC | Tax Treatment |
|---|---|---|
| Basic Pay | 35 – 45 % | Fully taxable |
| HRA | 40 – 50 % of Basic | Exempt u/s 10(13A) (Old Regime) |
| LTA | 5 – 10 % | Tax-free if claimed with bills |
| Special Allowance | Variable | Fully taxable |
| Employee PF | 12 % of Basic | Deducted from salary |
| Standard Deduction | — | ₹ 50,000 (flat) |
Assumptions Used in This Calculator
| Parameter | Default Value |
|---|---|
| Financial Year | FY 2025-26 |
| Standard Deduction | ₹ 50,000 |
| Employee PF | 12 % of Basic |
| Basic Pay | 40 % of CTC |
| HRA | 20 % of CTC |
| Cess | 4 % |
| Surcharge | Not Applied |
Tax Slabs – FY 2025-26
Old Regime
Up to ₹ 2.5 L – Nil · ₹ 2.5–5 L – 5 % · ₹ 5–10 L – 20 % · Above ₹ 10 L – 30 % + 4 % Cess
New Regime
Up to ₹ 4 L – Nil · ₹ 4–8 L – 5 % · ₹ 8–12 L – 10 % · ₹ 12–16 L – 15 % · ₹ 16–20 L – 20 % · ₹ 20–24 L – 25 % · Above ₹ 24 L – 30 % + 4 % Cess
Expert Tips from TaxBizMantra
- Prefer Old Regime if you claim large deductions under 80C/80D or HRA.
- Switch to New Regime if you have few deductions and want higher in-hand pay.
- Re-evaluate your choice every April with our Income Tax Calculator 2025.
- Explore Other Free Tools
FAQs
1️⃣ How is in-hand salary calculated from CTC?
In-hand = CTC – PF – Professional Tax – Income Tax.
2️⃣ What makes this the best salary calculator in India?
It’s based on actual FY 2025-26 slabs, includes PF & HRA logic, and compares both tax regimes in one view.
3️⃣ What is the standard deduction this year?
₹ 50,000 under both regimes.
4️⃣ Can I compare CTC breakup by regime?
Yes – the chart and summary show take-home pay difference.
5️⃣ Does it include HRA exemption calculation?
Yes – under Old Regime using Section 10(13A).
Stop guessing! Know your exact take-home salary instantly with the Taxbizmantra In-Hand Salary Calculator. Try it now!
Disclaimer
Figures are estimates for illustration.
Actual salary structure and tax liability may vary based on employer policy and IT rules.
Consult your CA or HR for personalized salary advice.