In-Hand Salary Calculator

CTC to take-home pay breakdown for FY 2025-26 (AY 2026-27).

Annual CTC
₹
Enter your total Cost to Company to auto-calculate breakdown
Basic Pay
₹
Usually 50% of monthly fixed component
HRA (50%)
₹
50% of Basic for Metro, 40% otherwise
LTA
₹
Leave Travel Allowance
Telephone
₹
Phone / Internet reimbursement
Other Allowances
₹
Special, food, fuel, etc. (auto-calculated as remaining)
Monthly Total₹50,000
Yearly Total₹6,00,000
Variable Pay
Annual Variable
₹
Performance-linked pay, typically 10-20% of fixed
Paid Out
One-Time Bonus
Annual Bonus
₹
One-time annual bonus e.g. joining / retention
Employer PF
₹
Employer matches your PF contribution
Gratuity
₹
Statutory benefit after 5 years of service, 4.81% of Basic
Employer NPS
₹
NPS contribution up to max 14% of Basic, tax exempt
Insurance
Medical
₹
Group medical insurance premium
Term Life
₹
Term life insurance premium
Accident
₹
Group personal accident cover
Professional Tax
₹
State-level tax, usually ₹200/mo

New Regime: Lower rates, ₹75K std deduction, no 80C/80D/HRA. Tax-free up to ₹12L.

Monthly In-Hand (New Regime)

₹48,000

Annual In-Hand: ₹6,36,000

CTC: ₹6,96,024/yr · Tax Rate: 0%

Gross

Monthly Gross

₹50,000

Net

Net Salary

₹48,000

Tax

Monthly TDS

₹0

Rate

Eff. Rate

0%

Annual Breakdown

Annual CTC₹6,96,024
↳ Employer PF −₹21,600
↳ Gratuity −₹14,424
Annual Gross Salary₹6,60,000
↳ Variable Pay₹60,000
− Employee PF−₹21,600
− Professional Tax−₹2,400
− Income Tax (incl. cess)−₹0
Annual In-Hand₹6,36,000

Monthly In-Hand View

Variable Pay Bonus
April Payslip
Earnings
Basic₹25,000
HRA₹12,500
Other₹12,500
Gross₹50,000
Deductions
Employee PF−₹1,800
Professional Tax−₹200
Total−₹2,000
Net In-Hand₹48,000

Regime Comparison

New (Selected)

₹0

Old Regime

₹35,381

You save ₹35,381 with New Regime.

Tax Slabs FY 2025-26

Income Tax Slabs

New Regime

0–4LNIL
4–8L5%
8–12L10%
12–16L15%
16–20L20%
20–24L25%
>24L30%

Old Regime

0–2.5LNIL
2.5–5L5%
5–10L20%
>10L30%

Disclaimer: Estimates for educational purposes. Consult a CA for accurate advice.

How to Use

About the In-Hand Salary Calculator

What it calculates

This in-hand salary calculator helps you model financial decisions with accurate formulas and clear outputs. Calculate monthly in-hand salary from CTC for FY 2025-26.

When to use it

Use when comparing loan terms, investment returns, taxes, or savings scenarios before making money decisions.

Example

Adjust the inputs above to model your specific scenario with the In-Hand Salary Calculator.

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