Know Your Real Take-Home Salary
Enter your CTC and instantly see your monthly in-hand pay — with tax, PF, gratuity and both tax regimes compared.
2
Tax Regimes
FY 25-26
Slabs Used
Instant
Calculation
= ₹1 L per month
Your Take-Home
New Tax Regime
88%
of CTC in-hand
Monthly In-Hand
₹88,276
₹10,59,312 per year
CTC Components
Deductions
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New vs Old Regime
Same CTC, compared side-by-side
₹88.3 K
per month
₹78.2 K
per month
The new regime saves you ₹1.21 L more per year at this CTC.
Disclaimer: Uses FY 2025-26 income tax slabs and standard PF/gratuity conventions. Old regime assumes no HRA/LTA exemption is claimed beyond the deductions entered — actual tax may be lower if you claim more exemptions. This is an estimate, not tax advice.
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How the In-Hand Salary Calculator Works
A transparent look at how CTC becomes take-home pay.
Break Down Your CTC
Your CTC splits into Basic, HRA/allowances, bonus, employer PF and gratuity. Only the components actually paid to you (not employer PF/gratuity) count as gross salary.
Apply Deductions
Employee PF, professional tax and income tax (based on your slab and regime) are deducted from your gross salary to arrive at your net pay.
Compare Regimes
The new regime has lower rates but no exemptions; the old regime allows deductions like 80C, HRA and LTA. We compute both so you can pick the better one.
Frequently Asked Questions
Everything about calculating your in-hand salary.
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