How is in-hand salary calculated from CTC?

Your in-hand salary is calculated by subtracting all deductions from your CTC. The main deductions include: Employee EPF (12% of basic, max ₹1,800/month), Professional Tax (₹200/month in most states), and TDS (income tax deducted at source). The employer also deducts their share of EPF and gratuity from CTC before arriving at your gross salary.

What is the difference between CTC and in-hand salary?

CTC (Cost to Company) is the total annual expense your employer incurs for you, including employer EPF contribution, gratuity, and all allowances. In-hand salary (take-home) is the actual amount credited to your bank account each month, after deducting employee EPF, professional tax, and income tax (TDS). Typically, in-hand salary is 65-80% of CTC.

How much tax do I pay on ₹10 lakh salary in FY 2025-26?

Under the new tax regime in FY 2025-26, income up to ₹12 lakh is effectively tax-free due to the Section 87A rebate of ₹60,000, plus a standard deduction of ₹75,000. So on a ₹10 lakh CTC (assuming gross income around ₹9-9.5 lakh after EPF), you would pay zero income tax under the new regime.

What is the EPF deduction on salary?

EPF (Employee Provident Fund) deduction is 12% of your basic salary. However, it is capped at ₹1,800 per month (i.e., 12% of ₹15,000). Both employee and employer contribute 12% each. The employee's share is deducted from your salary, while the employer's share is part of your CTC but not included in your take-home.

Which tax regime is better for salaried employees in 2025-26?

For most salaried employees in FY 2025-26, the new tax regime is more beneficial because of the higher standard deduction (₹75,000) and the 87A rebate making income up to ₹12 lakh tax-free. The old regime is better only if your total deductions (80C + 80D + HRA + home loan interest) exceed approximately ₹3.75 lakh, which is uncommon for most employees.

FY 2025-26 Updated

In-Hand Salary Calculator India

Convert your CTC to take-home salary instantly. No login. No ads. Just your number.

Annual CTC

Bonus % (extra, above CTC)

Tax Regime

Section 80C (max ₹1.5L)

Section 80D (max ₹25k)

HRA Exemption (annual)

Home Loan Interest (max ₹2L)

Enter your CTC above to see your in-hand salary instantly.

How to Use the In-Hand Salary Calculator

Simply enter your annual CTC (Cost to Company) and select your tax regime. The calculator instantly shows your monthly take-home salary after deducting EPF, professional tax, and income tax. No registration required — your data never leaves your browser.

What Is Included in the Calculation?

Our calculator accounts for Employer EPF (12% of basic, capped at ₹1,800/month), Employee EPF contribution, Professional Tax (₹200/month), Income Tax under old or new regime, Standard Deduction (₹75,000 new / ₹50,000 old), and the 87A rebate making income up to ₹12 lakh effectively tax-free under the new regime for FY 2025-26.

New Tax Regime Changes for FY 2025-26

The Union Budget 2025 enhanced the new tax regime significantly. The standard deduction increased to ₹75,000. The Section 87A rebate now covers up to ₹60,000 of tax liability, meaning individuals earning up to ₹12 lakh (₹12.75 lakh with standard deduction) pay zero income tax. This makes the new regime the default and better choice for most salaried employees.

Frequently Asked Questions

Your in-hand salary is calculated by starting from CTC, subtracting Employer EPF and gratuity to get Gross Salary, then deducting Employee EPF, Professional Tax, and Income Tax (TDS). The result divided by 12 gives your monthly in-hand salary. Typically this is 65–80% of your CTC.

CTC is the total annual cost your employer pays for you, including their EPF share, gratuity, and all allowances. In-hand salary is what actually reaches your bank account — after employee EPF, professional tax, and income tax deductions. For a ₹10L CTC, in-hand is typically ₹65,000–₹75,000/month.

Under the new tax regime, with a ₹10L CTC, your gross income after EPF adjustments is roughly ₹9–9.5L. After the ₹75,000 standard deduction, your taxable income is below ₹8.75L — comfortably under the ₹12L rebate threshold. So your income tax is effectively zero under the new regime.

EPF deduction is 12% of your basic salary, capped at ₹1,800/month (12% of ₹15,000). Both you and your employer contribute 12% each. Your contribution reduces your take-home, while your employer's contribution is already factored into your CTC. EPF is tax-exempt under Section 80C in the old regime.

For most salaried employees, the new regime is better in FY 2025-26 due to the higher standard deduction (₹75K vs ₹50K) and the enhanced 87A rebate. You should choose the old regime only if your total deductions (80C + 80D + HRA + home loan) exceed approximately ₹3.75 lakh. Use our Old vs New Regime tab to compare your specific situation.

Annual Income (Gross)

Deductions (Old Regime only)

Section 80C (max ₹1.5L)

Section 80D (max ₹25k)

HRA Exemption

Home Loan Interest (max ₹2L)

Other Deductions

Enter your income to compare old vs new regime.

Basic Salary (Monthly)

HRA Received (Monthly)

Rent Paid (Monthly)

City Type

Enter salary details to calculate your HRA tax exemption.

Loan Amount

Interest Rate (% per annum)

Tenure: 10 years

Enter loan details to calculate your EMI.

About SalaryCheck.in

India's fastest, most accurate salary calculator — updated for FY 2025-26.

What is SalaryCheck.in?

SalaryCheck.in is a free, browser-based financial calculator platform designed for Indian salaried employees. We help you instantly understand your take-home salary, compare tax regimes, calculate HRA exemptions, and plan EMIs — all without creating an account or sharing any personal data.

Who Uses SalaryCheck.in?

Our tools are used by job seekers evaluating new offers, employees cross-checking their payslips, HR professionals explaining salary structures, and freshers calculating their first salary after campus placements.

Our 4 Tools

In-Hand Salary Calculator: Enter your CTC and instantly see your monthly take-home after all deductions.

Old vs New Regime Comparator: Side-by-side comparison of your tax liability under both regimes to help you choose wisely.

HRA Exemption Calculator: Find out exactly how much of your HRA is tax-free using the three-condition formula.

EMI Calculator: Calculate monthly payments for home loans, car loans, or personal loans with amortization breakdown.

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All calculations happen entirely in your browser using JavaScript. No salary figures, inputs, or results are ever sent to our servers. We do not store, process, or sell any personal financial data.

FY 2025-26 Updates

Our calculators reflect all changes from the Union Budget 2025: new tax slabs, enhanced standard deduction of ₹75,000, and the updated 87A rebate making income up to ₹12 lakh effectively tax-free under the new regime.

Disclaimer

SalaryCheck.in is for planning and estimation purposes only. Results may vary from your actual payslip depending on your company's specific salary structure, state-specific professional tax rates, and other factors. This is not official tax advice — consult a qualified CA for your specific situation.

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For queries or corrections, email us at info@salarycheck.in.

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