TheJobsMapIndia in-hand salary calculator
Enter your annual CTC to see what reaches your bank account each month. Uses FY 2025-26 (AY 2026-27) slabs from the Finance Act 2025.
Your inputs
CTC breakdown
How the calculation works
CTC to gross
Employer PF (12% of Basic, capped at the ₹15,000 a month wage ceiling) and gratuity (4.81% of Basic) are part of your CTC but not paid to you monthly, so they come off first.
New regime (FY 2025-26)
Standard deduction of ₹75,000. Slabs: up to 4L 0%, 4L to 8L 5%, 8L to 12L 10%, 12L to 16L 15%, 16L to 20L 20%, 20L to 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: up to 2.5L 0%, 2.5L to 5L 5%, 5L to 10L 20%, above 10L 30%. 87A rebate up to ₹5 lakh.
Cess and professional tax
A 4% health and education cess is added on the final income tax. Professional tax is assumed at the common state cap of ₹2,400 a year. A few states charge less or nothing.
What this does not include
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.