Free Salary Calculator India
Enter your CTC or gross salary and get your exact monthly in-hand after PF, professional tax and income tax.
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Disclaimer: This calculator provides estimates only. Actual tax liability may vary. Please consult a CA or tax professional for accurate tax planning.
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What Is a Salary Calculator?
Your CTC and your in-hand salary are not the same. The difference — usually 20 to 30% — goes toward employer PF contributions, gratuity, and other components that are part of the package but never credited to your account.
This calculator shows your exact monthly in-hand after deducting employee PF, professional tax, and income tax under both old and new regime. Useful for comparing job offers, planning a monthly budget, or verifying your tax liability before filing ITR.
CTC to In-Hand Reference (FY 2025–26)
New tax regime. PF = 12% of basic (basic assumed at 40% of CTC). Professional tax = ₹200/month.
| Annual CTC | Monthly Gross | PF (Employee) | Income Tax | Monthly In-Hand |
| ₹5 LPA | ₹41,667 | ₹2,000 | ₹0 | ₹39,467 |
| ₹6 LPA | ₹50,000 | ₹2,400 | ₹0 | ₹47,400 |
| ₹8 LPA | ₹66,667 | ₹3,200 | ₹833 | ₹62,434 |
| ₹10 LPA | ₹83,333 | ₹4,000 | ₹2,083 | ₹77,050 |
| ₹12 LPA | ₹1,00,000 | ₹4,800 | ₹3,750 | ₹91,250 |
| ₹15 LPA | ₹1,25,000 | ₹6,000 | ₹6,458 | ₹1,12,342 |
| ₹20 LPA | ₹1,66,667 | ₹8,000 | ₹11,667 | ₹1,46,800 |
Indicative figures only. Actual in-hand varies by salary structure, HRA exemption, and state-specific professional tax.
Old Regime vs New Regime — Which One to Choose
From FY 2025–26, the new regime is the default. For most employees earning under ₹12 LPA, it works out to zero tax — income up to ₹12 lakh is covered by the Section 87A rebate.
The old regime is worth considering if your total deductions — 80C investments (up to ₹1.5L), home loan interest (up to ₹2L), and health insurance (₹25K–₹50K) — add up to more than ₹3.75 lakh. Below that, the new regime almost always saves more.
→ Use the Income Tax Calculator to compare both regimes side by side: https://www.ezytoolz.com/financial/income-tax-calculator/
How to Use This Calculator
- Select input type — choose Gross Monthly Salary or Annual CTC
- Enter your salary amount
- Add annual bonus or variable pay if applicable
- Adjust PF contribution — default is 12% of basic (basic assumed at 40% of gross)
- Enter professional tax and any other monthly deductions
- Select Old Regime or New Regime
- Your monthly in-hand, annual tax, and full salary breakup appear instantly
Features
- Supports both Gross Monthly Salary and Annual CTC as input
- Calculates PF, professional tax, and income tax automatically
- Compares old regime and new regime — switch with one click
- Shows full salary breakup — basic, HRA, allowances, deductions
- Download result as PDF for records or job offer comparison
Why Your Result May Differ From Your Actual In-Hand
This calculator uses standard assumptions — basic at 40% of CTC, PF on full basic, and a flat ₹200 professional tax. Your company may structure salary differently.
Common reasons for a difference: HRA exemption if you pay rent (reduces taxable income), company-specific basic percentage, variable PF contribution, food or transport allowances, or additional deductions like NPS or voluntary PF.
For the most accurate result, enter your actual basic salary and check your salary slip for the exact PF and professional tax amounts deducted each month.