How to calculate in-hand salary from CTC for FY 2025-26?

In-hand salary = CTC - Income Tax - Employee EPF (12% of basic) - Professional Tax (₹200/month). Our calculator uses FY 2025-26 tax slabs and supports both new and old tax regimes for accurate calculations.

What is the difference between new vs old tax regime in FY 2025-26?

New tax regime has lower tax rates but no deductions except standard ₹50,000. Old regime allows deductions like 80C (₹1.5L), HRA, home loan interest but higher tax rates. Choose based on your investment and deduction patterns.

How much EPF is deducted from salary in India?

Employee EPF deduction is 12% of basic salary, capped at ₹1,800/month (for basic salary above ₹15,000). Employer also contributes 12% split as 8.33% EPS and 3.67% EPF.

How accurate is this salary calculator?

Our calculator uses the latest FY 2025-26 Indian tax slabs, includes current EPF rates (12% of basic salary), professional tax (₹200/month), and supports both new and old tax regimes. It follows official Income Tax Act formulas and provides accurate results for standard salary structures in India.

New vs Old tax regime - which saves more money?

It depends on your deductions! New regime has lower tax rates but limited deductions (only standard ₹50,000). Old regime has higher rates but allows 80C (₹1.5L), 80D (₹75K), HRA exemption, and home loan interest. Our calculator shows both side-by-side so you can choose the better option instantly.

In-Hand - Take Home Salary Calculator India (FY 2025-26)

Monthly Take-Home

₹2,24,534

Monthly Annual

Monthly Gross

₹2,79,500

Monthly Deductions

Component Amount

Income Tax ₹41,033

EPF (Employee) ₹13,500

Professional Tax ₹200

Total Deductions ₹54,733

Quick Answers

Does this work for RSUs and stock options?

Yes! Unlike other calculators, we handle equity compensation from startups and tech companies. Just add your vested RSUs/ESOPs to get accurate tax calculations.

Can I download a professional report for my manager?

Absolutely! Get a clean PDF breakdown perfect for salary negotiations, loan applications, or HR discussions. No other calculator gives you this.

What's the maxout button and why is it genius?

One click to max out all your tax deductions (80C, 80D, NPS). No manual calculation needed - we optimize your taxes instantly. Pure laziness, maximum savings.

Does this work for RSUs and stock options? ▼

Yes! We're one of the few calculators that properly handles equity compensation. Add your vested RSUs, ESOPs, or stock options to your total income and get accurate tax calculations. Perfect for tech workers at startups, FAANG companies, or any company with equity compensation plans.

Remember: Only vested equity counts as taxable income. Unvested grants aren't taxed until they vest.

Can I download a professional report for my manager? ▼

Absolutely! Our professional PDF download gives you a clean, detailed breakdown perfect for:

Salary negotiations with HR
Home loan applications
Visa applications requiring income proof
Financial planning discussions

No other calculator provides this level of professional documentation. Just hit the download button after your calculation!

What's the maxout button and why is it genius? ▼

The maxout button is pure laziness optimization! One click automatically fills:

80C deductions: ₹1.5 lakhs (PF, ELSS, PPF)
80D medical insurance: ₹75,000
NPS additional: ₹50,000

Instead of researching optimal deduction amounts, just click maxout and see your maximum tax savings instantly. No other calculator has this feature - because they make you work harder for the same result!

Is my salary information private and secure? ▼

Yes! We follow a privacy-first approach with user choice:

Calculations happen in your browser with results saved for your convenience
We use daily-salted visitor tracking (not persistent cookies)
Analytics data is anonymized and aggregated
You can opt-in for enhanced features with explicit consent
DPDP Act 2023 compliant with transparent data practices
100% ad-free experience

You can review our complete Privacy Policy for full details.

What is in-hand salary vs CTC? ▼

In-hand salary is your actual take-home pay after all deductions from CTC (Cost to Company). CTC includes basic salary, allowances, employer EPF contributions, and other benefits. Your in-hand salary is typically 70-80% of your CTC due to income tax, EPF, and professional tax deductions.

What deductions are included in the calculation? ▼

Our calculator includes all standard Indian salary deductions:

Employee PF: 12% of basic salary (capped at ₹1,800/month)
Professional Tax: ₹200/month in most states
Income Tax: Based on chosen regime and applicable slabs
Standard Deduction: ₹50,000 for FY 2025-26
HRA Exemption: Section 10(13A) calculation (old regime)
80C, 80D Deductions: As per your inputs (old regime)

EPF	≤ ₹21.6K
NPS (80CCD2)	≤ ₹1.88L

EPF	≤ ₹21.6K
NPS-80CCD(1)	N/A	N/A
NPS-80CCD1B	≤ ₹50K

In-Hand - Take Home Salary Calculator

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Does this work for RSUs and stock options?

Can I download a professional report for my manager?

What's the maxout button and why is it genius?

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Quick Answers

Does this work for RSUs and stock options?

Can I download a professional report for my manager?

What's the maxout button and why is it genius?

More Topics Covered in Our FAQ