Know Your Real Take-Home Salary

CTC (Cost to Company) is the total annual cost an employer bears for you, including your salary plus employer contributions like PF and gratuity that you never see in your bank account. In-hand salary is what actually lands in your account after employee PF, professional tax and income tax are deducted.

Because CTC includes employer-side contributions (Employer PF ~12% of basic, Gratuity ~4.81% of basic) that never reach your bank account, plus your gross pay is further reduced by employee PF, professional tax and income tax.

The new regime has lower slab rates but doesn't allow most exemptions (HRA, 80C, etc). If your eligible deductions are small, the new regime usually wins. If you have significant 80C investments, home loan interest, or high HRA, the old regime can work out better — compare both using this calculator.

We apply the FY 2026-27 slab rates for your selected regime, subtract the standard deduction (₹75,000 new / ₹50,000 old), apply Section 87A rebate (nil tax up to ₹12L taxable income in the new regime, ₹5L in the old regime) with marginal relief, then add 4% health & education cess.

No. Professional tax is a state-level tax and doesn't apply in states like Delhi, Haryana, Uttar Pradesh, or Rajasthan. Where applicable, it's usually capped around ₹200-208 per month (₹2,400-2,500 per year).

Not automatically — HRA exemption depends on your actual rent paid, city, and basic salary, which varies a lot. Use the 'Other Deductions' field in the old regime to add your estimated HRA exemption along with 80C/80D for a more accurate number.