Take-Home Salary Calculator India 2025-26

Take-Home Salary Calculator India — CTC vs In-Hand Explained (FY 2025-26)

CTC (Cost to Company) is what your employer spends on you. In-hand salary is what actually hits your bank account. The gap between the two surprises most employees — especially freshers joining their first job. On a ₹10 lakh CTC, your actual in-hand can be anywhere between ₹65,000 and ₹75,000 per month depending on your salary structure, tax regime, and deductions.

What Gets Deducted From Your CTC

• Income Tax — calculated on your taxable income after all exemptions and deductions. Biggest variable.
• Employee PF (12% of Basic) — mandatory for most salaried employees. Employer also contributes 12% but that’s not in your in-hand.
• Professional Tax — state-level tax, maximum ₹2,500/year. Not applicable in all states.
• Employer PF / ESI / Gratuity — part of CTC but never in-hand. These are employer costs added to your CTC on paper.

Old Regime vs New Regime — Which Gives More In-Hand?

New Regime has lower slab rates but removes most deductions. Old Regime keeps higher rates but allows HRA, 80C, 80D and the standard deduction of ₹75,000. For most people earning up to ₹15 lakhs with standard deductions, Old Regime gives more in-hand if total deductions exceed ₹3.75 lakhs. Our comparison table above shows both side-by-side.

Standard Deduction FY 2025-26

A flat ₹75,000 standard deduction is available under both Old and New Regime from FY 2024-25 onwards (increased from ₹50,000). No proof required — it is automatically deducted from your gross salary before tax calculation.