In-Hand Salary Calculator
Convert your CTC into monthly take-home pay for FY 2025-26, compared across the old and new tax regime. PF, professional tax and income tax are deducted automatically.
Basic ≈ ₹7,50,000 (drives PF & HRA)
₹1,02,845/mo
₹12,34,140 per year
Income tax: ₹83,460
₹93,030/mo
₹11,16,360 per year
Income tax: ₹2,01,240
Frequently asked questions
How is in-hand salary calculated from CTC?+
Start with CTC, remove the employer's PF contribution to get gross salary. From gross, subtract the employee's PF (12% of basic), professional tax, and income tax. What remains is your annual in-hand salary; divide by 12 for the monthly figure.
Why is my in-hand salary different under the old and new regime?+
The two regimes calculate income tax differently — the old regime allows deductions like 80C and HRA but has higher slab rates, while the new regime has lower rates and a bigger rebate but almost no deductions. The regime with lower tax leaves more money in your hand.
Does this calculator include PF and professional tax?+
Yes. It deducts employee PF at 12% of basic salary and assumes ₹2,400/year professional tax. Actual professional tax varies by state, and your PF may differ if your employer uses the ₹15,000 statutory wage ceiling.