In-hand salary calculator
Enter your annual CTC and see your monthly take-home after PF, professional tax and income tax — with the full FY 2025-26 slab math shown. Everything runs in your browser — no signup, no upload.
Monthly in-hand salary
₹96,200
How your tax is calculated (FY 2025-26 slabs)
| Income slab | Rate | Tax |
|---|---|---|
| ₹0 – ₹4,00,000 | 0% | ₹0 |
| ₹4,00,000 – ₹8,00,000 | 5% | ₹20,000 |
| ₹8,00,000 – ₹12,00,000 | 10% | ₹30,340 |
Frequently asked questions
What is the difference between CTC, gross salary and in-hand salary?
CTC (cost to company) is everything the employer spends on you, including employer PF, gratuity and insurance premiums. Gross salary is CTC minus those employer-side costs — the amount that appears as earnings on your payslip. In-hand (take-home) salary is gross minus employee PF, professional tax and TDS.
Why is my in-hand salary less than CTC divided by 12?
Because CTC includes components you never see in your bank account: the employer's PF contribution, gratuity provision, and often group insurance premiums. On top of that, employee PF, professional tax and income tax (TDS) are deducted from your gross pay every month.
How much PF is deducted from my salary?
Employee PF is 12% of basic salary. Many employers apply the statutory wage ceiling of ₹15,000 basic, which caps the deduction at ₹1,800 per month. The employer contributes a matching amount, but that sits inside your CTC rather than being deducted from gross pay.
What is professional tax and how much is it?
Professional tax is a state-level tax on salaried income, capped at ₹2,500 per year. Most states that levy it (Maharashtra, Karnataka, West Bengal, Telangana and others) deduct roughly ₹200 per month. A few states like Delhi and Haryana do not levy it at all.
Which is better for me — the new or the old tax regime?
As a rule of thumb, the new regime works out better unless you have large deductions. If your combined deductions (80C, 80D, home loan interest, HRA exemption) are well above ₹4-5 lakh a year, the old regime may win. With the ₹60,000 rebate under the new regime, income up to ₹12 lakh (₹12.75 lakh for salaried with standard deduction) is effectively tax-free in FY 2025-26.
What is the standard deduction for FY 2025-26?
Salaried employees get a flat standard deduction of ₹75,000 under the new regime and ₹50,000 under the old regime. It is applied automatically — no proof or investment is needed.