💵 Salary Calculator FY 2025–26
Salary Calculator —
Salary Calculator —
Monthly In-Hand After Tax
Calculate exact take-home salary from CTC. Compare New vs Old tax regime. Updated for FY 2025–26 with latest slabs.
New + OldBoth Regimes
₹12LZero Tax (New)
PF + PTAll Deductions
FY 2025–26Latest Slabs
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💵 Enter Salary Details
Total Cost to Company per year
Usually 40–50% of CTC. Check your offer letter.
Usually 12% of Basic. 0% if PF not applicable.
HRA exemption = min(HRA received, 50% of basic, rent paid − 10% basic)
PF + PPF + ELSS + LIC + home loan principal. Max ₹1.5L.
Estimated Monthly In-Hand
₹ —
Detailed tax calculation, deductions & New vs Old regime comparison on next page
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❓ Frequently Asked Questions
What is CTC vs take-home salary? +
CTC (Cost to Company) is the total annual amount your employer spends on you. Take-home is what you actually receive after PF, income tax, and professional tax deductions. Typically 65–80% of CTC.
New vs Old regime — which is better? +
New regime is better if you have few deductions. Old regime wins if you have HRA + ₹1.5L 80C + ₹2L home loan interest. Rule of thumb: if total deductions exceed ₹3.75L, old regime saves more tax.
Is income up to ₹12 lakh really tax-free? +
Under the new regime for FY 2025–26, income up to ₹12L is effectively nil-tax due to the enhanced Section 87A rebate. With the ₹75K standard deduction, CTC up to ₹12.75L = zero income tax.
How is PF calculated on salary? +
Employee PF = 12% of basic salary. Employer contributes another 12% (goes to PF + EPS). Statutory ceiling is ₹15,000 basic, but many companies calculate on actual basic. Both contributions reduce your in-hand but build retirement corpus.
⚠️ Estimates based on FY 2025–26 income tax slabs. Actual tax depends on specific deductions, surcharge, cess, and other income. Consult a Chartered Accountant for precise tax planning.