💰 Salary Calculator (India)
Convert your annual CTC to in-hand monthly salary for India — with employee PF, professional tax and FY 2025-26 new-regime income tax estimated automatically. Figures are close approximations; your actual payslip depends on your company’s exact salary structure.
Estimated monthly in-hand
Breakdown (annual)
Assumes new tax regime FY 2025-26, employer PF & gratuity inside CTC, professional tax ₹2,400/yr. Estimates only — verify with your payslip.
How to use the Salary Calculator (India)
- 1 Enter your annual CTC (total cost to company).
- 2 Adjust the basic salary percentage if you know it (50% is typical).
- 3 See your estimated monthly in-hand salary and the full deduction breakdown.
Frequently asked questions
Why is in-hand salary lower than CTC ÷ 12?
CTC includes employer PF contribution and gratuity that never reach your bank account, plus your own deductions: employee PF (12% of basic), professional tax, and income tax (TDS).
Which tax regime does this use?
The new regime for FY 2025-26 (default): slabs of 0% up to ₹4L rising to 30% above ₹24L, a ₹75,000 standard deduction, Section 87A rebate making income up to ₹12L effectively tax-free, plus 4% cess.
What is the 50% basic assumption?
Most Indian companies set basic salary at 40–50% of CTC. PF and gratuity are calculated on basic, so this ratio shifts your take-home. Adjust the slider to match your offer letter.
Is this exact?
It is a close estimate for planning. Company-specific allowances, variable pay, NPS, and state-wise professional tax rules create small differences — always confirm with your payslip or HR.