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.
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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.
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