India in-hand salary calculator
Enter your annual CTC to see what actually reaches your bank account each month. Uses FY 2025-26 (AY 2026-27) slabs from the Finance Act 2025.
Your inputs
In-hand salary
₹1,11,326 / month
₹13,35,912 per year
- Annual CTC
- ₹15,00,000
- − Employer PF
- − ₹21,600
- − Gratuity
- − ₹28,860
- Gross salary
- ₹14,49,540
- − Employee PF
- − ₹21,600
- − Professional tax
- − ₹2,400
- − Income tax (incl. 4% cess)
- − ₹89,628
- Take-home (annual)
- ₹13,35,912
CTC breakdown
- Basic
- ₹6,00,000
- HRA
- ₹3,00,000
- Special allowance
- ₹5,49,540
- Employer PF
- ₹21,600
- Gratuity (4.81% of Basic)
- ₹28,860
- Standard deduction
- ₹75,000
- Taxable income
- ₹13,74,540
- Income tax before cess
- ₹86,181
- Health & education cess (4%)
- ₹3,447
How the calculation works
- CTC to gross: Employer PF (12% of Basic, capped at the ₹15,000/mo wage ceiling) and gratuity (4.81% of Basic) are part of your CTC but not paid to you monthly, so they're subtracted first.
- New regime (FY 2025-26): Standard deduction of ₹75,000. Slabs 0-4L: 0%, 4-8L: 5%, 8-12L: 10%, 12-16L: 15%, 16-20L: 20%, 20-24L: 25%, above 24L: 30%. Section 87A gives a full rebate up to ₹12 lakh taxable income.
- Old regime: Standard deduction of ₹50,000, plus employee PF is treated here as an 80C deduction (simplified). Slabs 0-2.5L: 0%, 2.5-5L: 5%, 5-10L: 20%, above 10L: 30%. 87A rebate up to ₹5 lakh.
- Cess: A 4% health & education cess is added on the final income tax.
- Professional tax: Assumed at the common state cap of ₹2,400/year; a few states charge less or nothing.
This is an estimate for salaried employees. It doesn't model HRA exemption for actual rent paid, LTA, 80C investments beyond PF, NPS employer contribution or perquisites. Verify against your payslip and Form 16 before making financial decisions.