In-Hand Salary Calculator

💼Salary Details

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Optional: Variable Pay & Bonus
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Quick mode uses standard assumptions. For precise calculations, .

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Ready to Calculate

Enter your CTC or salary details on the left to see your monthly in-hand salary, tax breakdown, and regime comparison

💡 Quick Tips

  • • Use Quick Mode for fast estimates
  • • Switch to Advanced for precise calculation
  • • Compare both tax regimes to save more

📚Salary & Tax Terms

CTC (Cost to Company)
Total yearly cost paid by employer = Gross + Employer PF + Employer NPS + Gratuity. Not your take-home!
Gross Salary
Taxable salary = Basic + HRA + Allowances + Bonuses. Used for tax calculation.
Basic Salary
Base component (35-50% of CTC). Basis for PF, HRA, NPS, gratuity calculations.
HRA (House Rent Allowance)
Allowance for rented accommodation. Tax-exempt in Old Regime based on rent paid and city.
Employee PF (EPF)
12% of basic. Deducted from salary, counts toward 80C (₹1.5L limit).
Employer PF
12% of basic. Part of CTC, not deducted from take-home. Not taxable if within limits.
Gratuity
4.81% of basic. Part of CTC, not part of gross salary or take-home.
NPS - Employee (80CCD(1))
Counts toward 80C ₹1.5L limit (old regime).

💡Quick Reference

Basic:35-50% of CTC
Employee PF:12% of Basic
Gratuity:4.81% of Basic
Standard Ded.:₹50k / ₹75k
80C Limit:₹1.5 Lakh
80CCD(1B):Extra ₹50k NPS
87A Rebate (New):Up to ₹12L
Metro HRA:50% of Basic

💬Frequently Asked Questions

🔗Official & Trusted Tax Resources

⚖️New Regime vs Old Regime (FY 2025-26)

✨ New Regime

  • ✓Lower tax rates (5% starts from ₹4L)
  • ✓Standard deduction: ₹75,000
  • ✓87A rebate up to ₹12L income
  • ✓Employer NPS (80CCD2) allowed
  • ✗No HRA, 80C, 80D exemptions

📋 Old Regime

  • ✓HRA exemption available
  • ✓80C: Up to ₹1.5L (PF, PPF, ELSS)
  • ✓80D: Health insurance deduction
  • ✓24(b): Home loan interest ₹2L
  • ✗Higher tax rates

💡Tips to Maximize Take-Home Salary

  • •Compare both regimes - the better choice depends on your deductions
  • •If paying rent in metro cities, Old Regime HRA exemption can be significant
  • •Maximize 80C if choosing Old Regime (PF counts towards ₹1.5L limit)
  • •Consider employer NPS for 80CCD(2) benefit in both regimes
  • •Higher Basic = Higher PF (good for retirement but lower take-home)
  • •Use our calculator to run "what-if" scenarios with different salary structures

Disclaimer: This calculator provides estimated salary results based on FY 2025-26 tax rules. Actual take-home may vary based on your complete salary structure, additional benefits, and latest Income Tax Department notifications. Please verify with your HR or a tax professional.