Calculate your in-hand salary from CTC. See detailed breakdown of deductions including PF, income tax (new & old regime), and professional tax. Updated for FY 2025-26.
New Regime (FY 2024-25)
Monthly In-hand Salary
₹90,803
Annual: ₹10,89,639
Employer PF
₹21,600
Effective Tax Rate
5.5%
Tax Regime Comparison (FY 2024-25):
New Regime
Old Regime
Updated for FY 2025-26 with new regime as default
Instantly compare new vs old tax regime for your salary
See every component from CTC to in-hand clearly
Built for Indian salary structure with PF, HRA, and more
See how Edesy compares to other salary calculators
Feature | Edesy | Cleartax | Tax2Win | ET Money |
|---|---|---|---|---|
Free to Use | Yes | Yes | Yes | Yes |
No Signup Required Key | Yes | No | No | No |
FY 2025-26 Slabs | Yes | Yes | Yes | Yes |
Tax Regime Comparison | Yes | Yes | Yes | Limited |
PF Breakdown | Yes | Limited | Yes | Limited |
HRA Calculator | Yes | Separate | Separate | No |
Privacy (No Data Stored) Key | Yes | No | No | No |
Ads | None | Yes | Yes | Yes |
No credit card required. Results in your first week.
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Generate NowEverything you need to know about CTC, in-hand salary, and tax calculations
Understanding the difference between CTC (Cost to Company) and in-hand salary is crucial for every salaried employee in India. Our free salary calculator helps you instantly convert your CTC to take-home salary while showing every deduction clearly.
Your CTC typically includes multiple components: Basic Salary (usually 40-50% of CTC), House Rent Allowance (HRA - typically 40-50% of Basic), Special Allowance (variable component), Employer PF contribution (12% of Basic), Gratuity, and other benefits like insurance. Only a portion of CTC comes as monthly salary - the rest goes to PF, insurance, or is taxed.
From FY 2023-24, the New Tax Regime became the default for taxpayers. It offers lower tax rates but removes most exemptions like HRA, 80C, 80D, and LTA. The Old Tax Regime has higher slab rates but allows these deductions. Generally, if your deductions (HRA + 80C + 80D + others) exceed Rs 3-4 lakhs, the old regime may be beneficial. Our calculator helps you compare both regimes for your specific salary.
Employee PF: 12% of Basic Salary (mandatory, goes to retirement corpus).Income Tax (TDS): Calculated based on chosen tax regime and applicable slabs.Professional Tax: State-specific tax, maximum Rs 2,500/year. These are automatically deducted from your gross salary to arrive at net in-hand amount.
If you opt for the Old Tax Regime, you can claim various deductions: Section 80C (up to Rs 1.5L) for PPF, ELSS, life insurance, home loan principal. Section 80D (up to Rs 25K) for health insurance premiums. HRA exemption for rent paid. Section 80CCD(1B) - additional Rs 50K for NPS. These deductions can significantly reduce your tax liability.
The formula is straightforward: In-Hand Salary = Gross Salary - Employee PF - Income Tax - Professional Tax. However, calculating income tax requires applying correct slab rates based on your taxable income (after exemptions in old regime). Our calculator automates this entire calculation, giving you accurate results instantly.
For CTC 5-10 lakhs: In-hand is typically 75-80% (low tax bracket). For CTC 10-15 lakhs: In-hand is typically 70-75%. For CTC 15-25 lakhs: In-hand is typically 65-70%. For CTC 25+ lakhs: In-hand can be 60-65% (higher tax brackets apply). Exact percentage depends on salary structure and tax planning.
Rs 49,999 · 7-10 days
Calculate in-hand salary from CTC instantly
Detailed salary breakdown (Basic, HRA, Special Allowance)
PF calculation (employee and employer contribution)
Income tax calculation with latest slabs
New Tax Regime (FY 2025-26) support
Old Tax Regime with HRA exemption
Section 80C deduction support
Professional tax deduction by state
Monthly and annual salary toggle
Tax regime comparison
No signup or registration required
100% free with instant results
Understand your actual take-home salary before accepting a job offer. Compare offers accurately.
Quickly calculate salary breakdowns for employee compensation planning and offer letters.
Plan your monthly budget and expenses based on accurate in-hand salary figures.
Compare new vs old tax regimes to choose the one that saves you more tax.
Understand the real value of salary components to negotiate better compensation.
Calculate how much you can invest after all expenses based on your net salary.
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