CTC to In-Hand Salary Calculator (FY 2025-26)
Enter your annual CTC to see your monthly take-home salary after PF, professional tax, and income tax deductions. Compare new vs old tax regime instantly.
Enter your CTC details
Monthly Breakdown
Annual CTC Breakdown
Not financial or tax advice. Consult a CA for your exact tax liability. TopOpenTools is not a SEBI-registered investment adviser.
Frequently Asked Questions
What is CTC and how does it differ from in-hand salary?
CTC (Cost to Company) is the total annual amount a company spends on an employee, including gross salary, employer PF, gratuity, and other benefits. In-hand salary (or take-home pay) is what you actually receive after all deductions — employee PF, professional tax, and income tax (TDS).
Which tax regime is better for me — new or old?
It depends on your deductions. If you have significant Section 80C investments (PF, ELSS, LIC), HRA exemption (if you pay rent), and health insurance (80D), the old regime may save more tax. If you have minimal deductions, the new regime (with its higher basic exemption and lower slab rates up to ₹12L) is often better. This calculator lets you compare both.
What salary structure assumptions does this calculator use?
We assume: Basic = 40% of CTC, HRA = 50% of Basic, Employer PF = 12% of Basic (capped at ₹1,800/month), Gratuity = 4.81% of Basic, Professional Tax = ₹200/month. Actual structure varies by employer — your offer letter or salary slip will have exact components.
What is the standard deduction for FY 2025-26?
Under the new tax regime: ₹75,000. Under the old tax regime: ₹50,000. This is automatically deducted from your gross salary before calculating taxable income.
What is the income tax rebate u/s 87A in FY 2025-26?
Under the new tax regime, if your taxable income (after standard deduction) is ₹12 lakh or less, you get a full tax rebate — meaning zero income tax. Under the old tax regime, the rebate applies if taxable income is ₹5 lakh or less.
Is this tax advice?
No. This calculator provides estimates based on standard assumptions and is for informational purposes only. For your exact tax liability, consult a Chartered Accountant. TopOpenTools is not a SEBI-registered investment adviser.