Calculate Your True In-Hand Salary.
Compare Old vs New Tax Regimes (FY 2025-26) instantly. No signups, no ads, completely calculated in your browser.
India Salary & Take-Home Guides Directory
Programmatic in-hand take-home breakdowns, salary composition splits, and old vs new tax regime comparisons for standard Lakhs Per Annum (LPA) packages.
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Understand standard deduction increases, revised slab brackets, and see which tax structure saves you more money under the Union Budget updates.
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How This Salary Calculator Works
SalaryHub converts the CTC shown in your offer letter into the amount that actually reaches your bank account every month. Enter your annual or monthly CTC, choose a tax regime, and adjust the salary structure - Basic, HRA, DA, LTA, and special allowance percentages - to mirror your company's compensation split. The calculator instantly applies FY 2025-26 income tax slabs, the standard deduction, employee EPF, and state professional tax to produce your net in-hand salary.
Everything is computed locally in your browser. We never ask for your name, email, or employer details, and your salary figures are never transmitted or stored anywhere.
CTC vs Gross vs In-Hand: What Is the Difference?
- CTC (Cost to Company): the total annual amount your employer budgets for you, including employer PF contributions, gratuity provisions, insurance, and other benefits that never appear as cash in your account.
- Gross salary: the sum of cash components - Basic, HRA, DA, LTA, special allowance, and bonus - before any tax or statutory deduction is applied.
- In-hand (net) salary: what is actually credited each month after income tax (TDS), employee EPF, and professional tax are deducted from gross pay.
FY 2025-26 Tax Rules at a Glance
- The New Tax Regime is the default; the Old Regime must be explicitly opted into when filing.
- Salaried taxpayers get a standard deduction of ₹75,000 under the New Regime.
- The Section 87A rebate eliminates income tax entirely for lower taxable income levels under the New Regime.
- A 4% Health and Education Cess applies on the computed tax in both regimes.
- Surcharge applies at higher incomes, with the New Regime capping the maximum surcharge at 25%.
Frequently Asked Questions
How is in-hand salary calculated from CTC in India?
In-hand salary is calculated by taking your gross salary (cash components of CTC such as Basic, HRA, DA, and allowances), subtracting the standard deduction to find taxable income, computing income tax as per your chosen regime for FY 2025-26, and then removing employee EPF (12% of Basic) and state professional tax. The remaining amount divided by 12 is your monthly in-hand salary.
Is this salary calculator free and private?
Yes. All calculations run entirely in your browser - no signup is required and no salary data is sent to or stored on any server.
Which tax regime is better for FY 2025-26: Old or New?
For most salaried employees without large deduction claims, the New Tax Regime results in lower tax for FY 2025-26 thanks to the ₹75,000 standard deduction and the Section 87A rebate for lower income levels. The Old Regime can still win if you claim substantial deductions such as HRA exemption, Section 80C (₹1,50,000), 80D health insurance, or NPS. Use the calculator to compare both regimes with your exact numbers.
What deductions reduce my take-home salary?
The three main deductions are income tax (TDS) based on your tax regime and slab, employee EPF contribution of 12% of Basic salary, and professional tax of up to ₹2,500 per year depending on your state. Voluntary deductions like VPF or NPS further reduce in-hand pay while increasing long-term savings.
Does this site support US paycheck calculations?
Yes. The USA Paycheck Calculator estimates net take-home pay after federal income tax, Social Security, Medicare, and state taxes, with weekly, biweekly, semimonthly, and monthly breakdowns.