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SalaryHub

India CTC & In-Hand Salary Calculator

Estimate take-home pay, customise component splits, check state Professional Tax rules, and export reports for FY 2025-26.

Calculator Settings

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CTC Period
Tax Regime i Old vs New Regime: Old regime allows standard deductions (80C, HRA, etc.). New regime has lower tax rates for FY 2025-26 but excludes major deduction claims.
Used for Professional Tax calculations based on regional slabs.
FY 2025-26 tax rules fully updated
100% private: Computed client-side
Free calculator — No signup required

Understanding Your CTC (Cost to Company)

Cost to Company (CTC) is the aggregate amount an employer spends to hire and maintain an employee on their payroll. It includes direct monetary salary components alongside indirect benefits, taxes, insurance, and statutory contributions.

CTC Component Class Examples
Direct Salary Basic Pay, House Rent Allowance (HRA), Special Allowances, Dearness Allowance (DA)
Reimbursements Leave Travel Allowance (LTA), Medical Allowances, Fuel Reimbursement
Statutory Contributions Employer EPF Share, Gratuity, Employee State Insurance (ESI)

CTC vs In-Hand Salary

Your in-hand (net take-home) salary is the amount you actually receive in your bank account every month. It is always lower than your gross salary and CTC because of deductions:

  • Pre-tax Deductions: Employee contribution to Provident Fund (EPF), Gratuity allocations.
  • Government Taxes: Income Tax (TDS) calculated based on your tax slabs.
  • Local Surcharges: State Professional Tax (ranging from ₹110 to ₹200/month depending on state regulations).

What is Basic Salary & HRA?

Basic Salary

Basic salary is the fixed core rate of your compensation. It acts as the basis for calculating HRA, EPF, and gratuity. Typically, it comprises 40% to 50% of the overall CTC.

House Rent Allowance (HRA)

HRA is a stipend paid by employers to offset housing rental expenses. Salaried individuals living in rented accommodations can claim HRA tax exemptions under Section 10(13A).

Tax Benefits & Standard Deduction

Both Old and New regimes allow a flat Standard Deduction off your gross salary before calculating taxable brackets:

  • New Tax Regime: Standard deduction is ₹75,000 (FY 2025-26). No tax is due for net taxable incomes under ₹7,00,000 (Section 87A rebate).
  • Old Tax Regime: Standard deduction is ₹50,000. You can subtract additional allocations like Section 80C (PPF/EPF, up to ₹1.5L), Section 80D (health insurance), and actual rent paid (HRA exemption).

Important Disclaimer

The information and estimations generated by this tool are designed for guidance and reference purposes only. Tax slabs, rebate parameters, and calculations represent standard government guidelines. Actual payroll policies, company benefits, and specific exemptions will alter final in-hand numbers. Please consult a qualified Chartered Accountant (CA) or tax professional for exact figures.