India Salary Calculator FY 2025–26
Salary Calculator —
Monthly In-Hand After Tax & PF
Accurate CTC to take-home salary with new and old tax regime comparison. Updated for FY 2025–26 with latest income tax slabs.
New+OldBoth regimes
PF+PTAll deductions
FY 2025–26Updated
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Salary Details₹
% of CTC
% (max 12%)
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Salary BreakdownMonthly In-Hand Salary
₹ —
Annual CTC—
Employee PF—
Income Tax—
Professional Tax− ₹ 2,400
Annual Take-Home
—
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Frequently Asked QuestionsCTC vs take-home?+
CTC = total annual cost to company. Take-home = CTC minus employee PF, income tax, professional tax. Typically 65–80% of CTC.
New vs Old tax regime?+
New regime is better without major deductions. Old regime benefits if you have HRA, 80C investments ₹1.5L, or home loan interest.
Zero tax below ₹7 lakh?+
Under new regime, effective tax is NIL up to ₹7L due to Section 87A rebate. With ₹75K standard deduction, CTC up to ~₹7.75L = zero tax.
How is PF calculated?+
Employee PF = 12% of Basic Salary. Statutory limit on ₹15,000 basic. Many companies calculate on actual basic.
What is professional tax?+
State-level tax, max ₹2,500/year. Applicable in Maharashtra, Karnataka, West Bengal, and some other states.
⚠️ Estimates based on FY 2025–26 slabs. Actual tax depends on specific deductions, surcharge, and cess. Consult a CA for precise planning.