Salary Calculator India 2026
Convert your CTC to exact in-hand salary. Compare Old vs New tax regime with full PF, HRA and tax breakdown.
Salary Calculator
CTC to In-Hand — FY 2025–26
Salary Breakdown
FY 2025–26Enter your CTC above and click Calculate Salary to see your complete in-hand salary breakdown with Old vs New regime comparison.
The Salary Formula
Net Salary = Gross Salary − (Income Tax + Employee PF + Professional Tax)
Basic = 40% of CTC. HRA = 50% of Basic (metro) or 40% (non-metro). Employee PF = 12% of Basic. Professional Tax ≈ ₹200/month.
What is CTC?
Cost to Company is the total amount a company spends on you annually — salary, employer PF, gratuity and benefits. Always higher than take-home.
What is HRA?
House Rent Allowance helps cover rent expenses. Under old regime, HRA exemption depends on rent paid, city type and basic salary.
What is PF?
Employees contribute 12% of basic salary to Provident Fund. Employer also contributes 12% but that is already part of your CTC.
Old vs New Regime
Old regime allows 80C, HRA, 80D deductions. New regime has lower slabs but fewer deductions. Use Compare Both to see which saves more.
Income Tax Slabs — FY 2025–26
Switch between old and new regime to compare slabs.
| Income Range | Tax Rate |
|---|---|
| Up to ₹3,00,000 | 0% |
| ₹3,00,001 – ₹7,00,000 | 5% |
| ₹7,00,001 – ₹10,00,000 | 10% |
| ₹10,00,001 – ₹12,00,000 | 15% |
| ₹12,00,001 – ₹15,00,000 | 20% |
| Above ₹15,00,000 | 30% |
CTC is everything a company spends on you — salary + employer PF + gratuity + benefits. In-hand is what gets credited to your bank after deducting employee PF, income tax and professional tax. The gap is typically 20–35%.
It depends on your deductions. If you claim ₹1.5L under 80C + HRA, the old regime often wins. If you have fewer deductions, the new regime’s lower slabs give more take-home. Use Compare Both to see instantly.
Basic salary is typically 40% of CTC. It forms the base for PF (12% of basic), HRA (40–50% of basic), and gratuity. Higher basic means higher PF deductions but also higher HRA exemption.
Professional tax applies in states like Maharashtra, Karnataka, West Bengal and Tamil Nadu. Maximum is ₹2,400/year (₹200/month). Some states do not levy it at all.