In-Hand Salary Calculator India (2025-26)
Calculate your monthly take-home salary from your CTC instantly. This calculator uses the latest FY 2025-26 tax slabs including the new ₹12 lakh rebate under the new regime. Enter your CTC below and get a complete salary breakdown.
Last Updated: March 2025
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How to Use This Calculator
- Enter your annual CTC as mentioned in your offer letter or salary slip.
- Select whether your city is a metro or non-metro for HRA calculation.
- Toggle PF opt-in if your company deducts Provident Fund.
- Enter your monthly rent if you want to factor in HRA exemption (old regime only).
- Results update instantly showing your monthly and annual take-home under both tax regimes.
Formula Used
Basic Salary = 40% of CTC
HRA = 50% of Basic (Metro) or 40% of Basic (Non-Metro)
PF (Employee) = 12% of Basic (capped at ₹15,000 basic/month)
Gratuity = (Basic × 15) / 26
Gross Salary = CTC - Employer PF - Gratuity
Take-Home = Gross - Employee PF - Professional Tax - Income Tax
Example Calculation
Let us calculate the in-hand salary for a ₹10 LPA CTC in a metro city with PF opt-in:
- Basic Salary: ₹4,00,000 (40% of ₹10L)
- HRA: ₹2,00,000 (50% of Basic)
- Employer PF: ₹21,600 (12% of ₹15,000 × 12)
- Gratuity: ₹23,077 (₹4L × 15 / 26)
- Special Allowance: ₹2,55,323 (remaining from CTC)
- Gross Salary: ₹9,55,323
- Employee PF deduction: ₹21,600
- Professional Tax: ₹2,400
- Income Tax (New Regime): ₹0 (taxable income under ₹12L with standard deduction)
- Annual Take-Home (New Regime): ~₹9,31,323
- Monthly Take-Home: ~₹77,610