Calculate your exact in-hand salary from CTC. Covers PF, HRA exemption, income tax under new & old regime, cess, and all deductions — updated for FY 2025-26.
HRA City Type
Tax Regime
New regime: ₹75K std. deduction. Zero tax up to ₹12L income.
Monthly In-Hand
₹88,000
₹10,56,000 per year
₹11,28,000
₹94,000/mo
₹6,00,000
₹50,000/mo
₹3,00,000
₹25,000/mo
₹2,28,000
₹19,000/mo
₹72,000
₹6,000/mo
₹0
₹0/mo
₹10,56,000
₹88,000/mo
Gross Salary
₹11,28,000
Taxable Income
₹10,53,000
Income Tax
₹0
Health & Ed. Cess (4%)
₹0
Total Tax Outgo
₹0
Effective Tax Rate
0.0%
New Regime
Zero tax up to ₹12L (rebate u/s 87A) + 4% cess on tax
✓New regime better for income ≤₹12L
✓Negotiate HRA for metro postings
✓Submit Form 15G if no tax liability
✓80C saves up to ₹46,800 in tax
✓Check Form 16 matches your CTC letter
CTC (Cost to Company) is the total annual expense a company incurs for an employee — including basic pay, HRA, allowances, employer PF, gratuity, and other benefits. It is always higher than what you actually receive in your bank account.
In-hand salary (net take-home) is what remains after deducting employee PF, income tax, and other deductions from your gross salary. Typically, in-hand is 65–80% of CTC depending on your tax slab and structure.
Step 1 — Enter your Annual CTC from your offer letter
Step 2 — Add bonus % if applicable (usually 10–20% of CTC)
Step 3 — Toggle PF and select metro or non-metro for HRA
Step 4 — Choose New or Old tax regime
Step 5 — See monthly in-hand, full breakdown, pie chart, and tax summary
In-hand = Gross Salary − Employee PF − Income Tax − Other deductions. Gross salary = CTC − Employer PF − Bonus. Basic is typically 50% of CTC; HRA is 50% (metro) or 40% (non-metro) of basic.
New regime (FY 2025-26) has zero tax up to ₹12L income and lower rates above. Old regime suits those with large HRA, 80C investments, and home loan interest. Use this calculator to compare both side by side.
Under the new regime, standard deduction is ₹75,000. Under the old regime, it is ₹50,000. Both are automatically deducted from gross salary before tax is calculated.
PF is mandatory if your basic salary is below ₹15,000/month. If basic exceeds ₹15,000, you can opt out. Employee contributes 12% of basic; employer contributes another 12% (already part of CTC).
Cess is 4% levied on income tax payable. It funds health and education initiatives and applies after all deductions and rebates are calculated.