Salary Calculator
Calculate your exact in-hand salary from CTC with PF, TDS, and New/Old tax regime comparison.
CTC Structure
$1,000,000
40%
$0
₹200/month
Employer PF in CTC?
Tax Details
Tax Regime
$150,000
$0
$0
Monthly In-Hand Salary
$73,530
Annual In-Hand Salary
$882,360
Gross Monthly Salary
$77,730
Monthly TDS
$0
Monthly Employee PF
$4,000
Professional Tax
$200
Effective Tax Rate
0.00%
$400,000
$200,000
$332,760
$48,000
$19,240
About Salary Calculator — India
Calculate CTC to in-hand salary with PF, TDS, and new/old regime tax comparison for FY 2025-26.
How CTC is Structured in India
Indian CTC typically consists of: Basic Salary (40–50% of CTC) + HRA (40–50% of Basic) + Special Allowance (residual) + Employer PF (12% of Basic) + Gratuity Provision (4.81% of Basic) + Annual Bonus.
The take-home salary is further reduced by: Employee PF (12%), Professional Tax, and TDS (income tax deducted monthly).
New vs Old Tax Regime (FY 2025-26)
New Regime: Standard deduction ₹75,000, lower slabs up to ₹4L taxable income at 0%, ₹12.75L rebate limit (zero tax). Simpler with no deduction tracking.
Old Regime: Standard deduction ₹50,000, 80C (₹1.5L), HRA exemption, 80D health insurance. Better if total deductions exceed ₹1.5–2L.
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Get the BookQuestions & Answers
What is the difference between CTC and in-hand salary?
CTC (Cost to Company) is the total annual compensation including employer PF, gratuity provision, and all allowances. In-hand salary is what you actually receive monthly after deducting employee PF, professional tax, and income tax TDS.
Which tax regime is better in FY 2025-26?
For most salaried employees, the New Tax Regime (FY 2025-26) is better because of the ₹75,000 standard deduction, revised slabs, and higher rebate limit of ₹12 lakhs. However, if you have significant deductions under Section 80C, HRA, and 80D, the Old Regime might save more tax.
What is the professional tax limit?
Professional tax is a state-levied tax deducted by employers. The maximum professional tax is ₹2,500 per year (₹200/month in most states). Not all states levy professional tax.