Take-home Salary Calculator (India · FY 2025-26)
Enter your CTC and we'll break it into Basic, HRA, employer PF, gratuity provision, employee PF, professional tax and income tax — then show you the monthly amount that actually lands in your bank account. Toggle between the New Regime (default since FY 2023-24) and the Old Regime to see which saves you more tax.
Inputs
Same inputs, calculated under the Old regime:
The new regime is currently better.
How take-home salary is calculated in India
Indian payroll has a fixed sequence of deductions from your CTC. Each step uses a statutory rule, not company discretion. Here's the chain this calculator follows:
- CTC → Gross. Subtract employer contributions (employer PF 12% of basic capped at ₹15k, EDLI 0.5%, admin charges 0.5%, gratuity provision 4.81% of basic). What's left is your gross annual salary that appears on your offer letter as "total earnings."
- Gross → Taxable income. Subtract employee PF (12% of basic, capped at ₹1,800/month), professional tax (₹2,500/year max in most states), and the standard deduction (₹75,000 under new regime, ₹50,000 under old). Under old regime, also subtract HRA exemption, 80C investments and 80D health insurance.
- Taxable income → Income tax. Apply the chosen regime's slabs. Under FY 2025-26 new regime: 0% up to ₹4L, 5% on ₹4-8L, 10% on ₹8-12L, 15% on ₹12-16L, 20% on ₹16-20L, 25% on ₹20-24L, 30% above. Add 4% Health & Education Cess on the tax. Apply 87A rebate (full rebate if taxable income ≤ ₹12L under new regime).
- Take-home = Gross − employee PF − professional tax − income tax. Divide by 12 to get monthly take-home.
New regime vs Old regime — quick rule of thumb
For most salaried employees under ₹15 LPA, the new regime wins because the 87A rebate up to ₹12L taxable income makes tax effectively zero. The old regime still wins when you have:
- Large 80C investments (PPF, ELSS, life insurance) — claim up to ₹1.5L deduction
- Significant rent paid in a metro — HRA exemption can be ₹2L+ annually
- Home loan interest under Sec 24(b) — up to ₹2L deduction (this calculator doesn't model that yet)
- NPS contributions under Sec 80CCD(1B) — additional ₹50k
The toggle in the calculator above will recompute both regimes instantly so you can compare your specific numbers before declaring your regime to your employer in April.
Frequently asked questions
Is take-home salary same as gross salary?▾
No. Gross salary is your CTC minus the employer's statutory contributions (their PF, gratuity, EDLI, admin). Take-home is gross minus YOUR deductions: employee PF, professional tax, and income tax (TDS).
Why is my take-home less than my CTC even before tax?▾
Because CTC includes amounts your employer pays on your behalf (their 12% PF contribution, gratuity provision, etc.) that you never receive in cash. Subtract those first to see your gross, then subtract your own deductions to see take-home.
What is the standard deduction for FY 2025-26?▾
₹75,000 under the new tax regime (raised from ₹50,000 in Budget 2024) and ₹50,000 under the old regime. The standard deduction is automatic — every salaried employee gets it without any document.
Do I need to pay income tax if my taxable income is under ₹12 lakh?▾
Under the new regime for FY 2025-26, the 87A rebate gives full relief on tax up to ₹60,000, which covers everyone with taxable income ≤ ₹12 L. So practical tax is zero for taxable income up to ₹12 L, even though the slab math shows tax on income above ₹4 L.
Is professional tax the same in every state?▾
No. Most states cap professional tax at ₹2,500/year as per Article 276 of the Constitution, but slabs and exemption thresholds vary. Maharashtra, Karnataka, West Bengal, Tamil Nadu, Gujarat all use ₹2,500/year. UP, Bihar, Delhi, Haryana have no professional tax.
How is PF calculated when basic salary exceeds ₹15,000?▾
By default, PF is calculated on basic capped at ₹15,000 (so max employer + employee PF = ₹1,800 + ₹1,800 = ₹3,600/month). Some employers voluntarily contribute on full basic — this calculator defaults to the ceiling mode but the PF calculator page lets you toggle.
Does this calculator save my data?▾
No. All calculations happen in your browser. Nothing is sent to a server, no cookies are stored, no email is collected. Refresh the page and the inputs are gone.
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