💰 CTC to Take-Home Salary Calculator

Calculate your monthly in-hand salary from your annual CTC as per FY 2025-26 tax rules. Get detailed breakdown of deductions, taxes, and net pay.

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Usually 40-50% of monthly CTC
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Usually 40-50% of Basic

Deductions (Old Regime Only)

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🆕 New Tax Regime FY 2025-26

Updated slabs effective from April 2024:

Income SlabTax Rate
Up to ₹3,00,000Nil
₹3,00,001 - ₹7,00,0005%
₹7,00,001 - ₹10,00,00010%
₹10,00,001 - ₹12,00,00015%
₹12,00,001 - ₹15,00,00020%
Above ₹15,00,00030%

Standard Deduction: ₹75,000

Rebate u/s 87A: No tax up to ₹7,00,000 income

📜 Old Tax Regime

Income SlabTax Rate
Up to ₹2,50,000Nil
₹2,50,001 - ₹5,00,0005%
₹5,00,001 - ₹10,00,00020%
Above ₹10,00,00030%

Standard Deduction: ₹50,000

+ Deductions: 80C, 80D, HRA, etc.

💡 Key Points

  • New regime is default from FY 2023-24
  • 4% Health & Education Cess on tax
  • Employer PF: 12% of Basic (max ₹1,800/month)
  • Professional Tax: ₹200/month (varies by state)
  • Gratuity: ~4.81% of Basic (after 5 years)