In-Hand Salary Calculator FY 2025-26
Calculate your take-home pay based on the latest budget updates. Supports PF, ESIC, Professional Tax, and basic Income Tax (Standard Deduction).
1Income Details
Enter your total Cost to Company per year.
2Deductions & PF
If you claim HRA, 80C, or NPS deductions, your actual Old Regime tax may be lower than shown here.
Applicable if gross monthly wage ≤ ₹21,000
Flat ₹200/month (varies by state)
How to Use This Calculator
1. Enter Salary Details
Input your Annual CTC or Monthly Gross salary. Our calculator automatically handles both inputs.
2. Configure Deductions
Toggle PF, ESIC, and Professional Tax based on your employment terms for 100% accuracy.
Frequently Asked Questions
What is the difference between CTC and In-Hand Salary?
CTC (Cost to Company) is the total amount an employer spends on an employee, including PF, ESIC, and bonuses. In-Hand Salary is the net amount you receive in your bank account after all deductions like PF, Professional Tax, and Income Tax.
How is PF calculated in India?
Provident Fund (PF) is usually calculated as 12% of your Basic Salary + DA. Both employee and employer contribute 12%. The employer's contribution is often part of your CTC.
Who is eligible for ESIC?
Employees with a gross monthly salary of ₹21,000 or less are eligible for ESIC. The employee contributes 0.75% and the employer contributes 3.25% of wages.
What is the Standard Deduction for FY 2025-26?
For FY 2025-26, the Standard Deduction is ₹75,000 for the New Tax Regime and ₹50,000 for the Old Tax Regime.
Does this calculator include HRA exemptions?
No, this calculator does not include HRA (House Rent Allowance) exemptions, Section 80C deductions, NPS contributions, cess, or surcharge. It provides a simplified estimate of your in-hand salary based on standard deductions only.
Compare Tax Regimes
Not sure if the New Regime is better? Use our comparison tool with HRA and 80C deductions.
Compare NowNew Tax Regime Highlights FY 2025-26
- ✓ Standard Deduction increased to ₹75,000.
- ✓ No tax for income up to ₹4 Lakhs.
- ✓ Lower tax rates for ₹8L - ₹12L slab (10%).