Take-home Salary Calculator (India)
Enter your CTC, see what actually lands in your bank account each month. Uses the new tax regime (FY 2025-26) with ₹75,000 standard deduction.
Your salary structure
Result
Indicative only. Actual deductions depend on full salary structure, HRA exemption (old regime), 80C investments, and state-specific professional tax slabs.
How take-home is calculated
- Basic + DA = X% of CTC (default 40%)
- Employer PF (12% of Basic, capped at ₹1,800/mo) is part of CTC but doesn't reach you in cash — subtract from CTC to get gross taxable
- Gross salary − Standard deduction (₹75,000) = taxable income
- Apply new regime slabs to taxable income → income tax + 4% cess
- Section 87A rebate up to ₹12 L gross → tax can become zero for some users
- Take-home = CTC − Employer PF − Employee PF − Income tax − Professional tax
New regime tax slabs (FY 2025-26)
| Income range | Tax rate |
|---|---|
| Up to ₹4,00,000 | Nil |
| ₹4,00,001 – ₹8,00,000 | 5% |
| ₹8,00,001 – ₹12,00,000 | 10% |
| ₹12,00,001 – ₹16,00,000 | 15% |
| ₹16,00,001 – ₹20,00,000 | 20% |
| ₹20,00,001 – ₹24,00,000 | 25% |
| Above ₹24,00,000 | 30% |
+ 4% Health & Education cess on tax. Section 87A rebate: full tax rebate if gross income ≤ ₹12 L.
Frequently asked questions
What is the difference between CTC and take-home?
CTC (Cost to Company) is the total annual cost of employing you. Take-home is what actually lands in your bank account after employer PF contribution is removed, your own PF + ESI is deducted, income tax (TDS) is cut, and professional tax (if applicable) is deducted.
Which tax regime does this calculator use?
The new regime (Budget 2025). Standard deduction of ₹75,000 is built in. Slabs: 0% up to ₹4 L · 5% (₹4-8 L) · 10% (₹8-12 L) · 15% (₹12-16 L) · 20% (₹16-20 L) · 25% (₹20-24 L) · 30% above ₹24 L. Section 87A rebate up to ₹12 L gross income.
How much PF is deducted from my salary?
Employee PF = 12% of Basic salary (capped at ₹15,000 unless your employer allows higher). Employer also contributes 12% of which 8.33% goes to EPS (pension) and 3.67% to your PF account. This calculator deducts the employee 12% from your take-home.
What about HRA exemption and 80C deductions?
The new tax regime does not allow HRA, 80C, 80D or most other deductions — that's the trade-off for the lower slabs. Only the standard deduction of ₹75,000 applies. If your old-regime tax is lower (heavy 80C + HRA users), the old regime may still suit you better.
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