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.

In Hand Salary Calculator India FY 2025-26 - CTC to Take Home Calculator

Monthly Take-Home

₹2,24,534

Gross

₹2.79L

Take-Home
₹2.25L

Tax

₹41K

EPF

₹13K

Annual Tax ▼

₹4,92,398

Annual Savings

₹26,94,408

Tax Rate

14.7%

Take-Home %

80.4%

Gross Annual Income

Annual CTC ₹33,50,000

Less: Deductions

Standard Deduction ₹75,000

Section 80C ₹1,50,000

Section 80D ₹25,000

HRA Exemption ₹2,40,000

Taxable Income

After Deductions ₹32,75,000

Tax Slabs Applied

₹0 - ₹4,00,000 0% ₹0

₹4,00,001 - ₹8,00,000 5% ₹20,000

₹8,00,001 - ₹12,00,000 10% ₹40,000

Base Tax ₹5,62,500

Less: Rebates

Section 87A Rebate ₹12,500

Tax After Rebates ₹5,50,000

Plus: Surcharge

Plus: Cess

Health & Education Cess (4%) ₹22,500

Total Annual Tax ₹5,85,000

Monthly Deductions

Gross Monthly Salary ₹2,79,167

Income Tax -₹41,033

Employee EPF -₹13,400

Professional Tax -₹200

Net Take-Home ₹2,24,534

Smart Insights

EPF Breakdown

Employee: ₹13,400 + Employer: ₹13,400 (₹9,645 EPS + ₹3,755 EPF)

Tax Optimization

You could save ₹0,00,000 annually by switching to the old tax regime with maximum deductions.

Industry Comparison

Your salary is 23% above the median for your experience level in the tech industry.

Investment Opportunity

Investing 20% of take-home could build ₹2.1 crores in 15 years at 12% returns.

Regime Comparison

New Regime: ₹2,24,534

Old Regime: ₹2,38,345

Difference: +₹13,811/month

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In-Hand Salary Calculator FY 2025-26

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