SalaryBreakdown.in

India Take-Home Salary Calculator

Turn your CTC into real monthly in-hand pay. Compare the old vs new tax regime for FY 2025-26 and see exactly where your money goes — free, instant, and shareable.

Your estimated monthly take-home under the new regime
₹85,395/month
The new regime saves you about ₹11,028/month vs the old regime.
Plus ₹6,000/month going into your PF (your savings, not lost).

new regime

Recommended
Monthly in-hand
₹85,395
Gross salary (annual)₹10,99,140
Standard deduction− ₹75,000
Taxable income₹10,24,140
Income tax + cess₹0
Employee PF− ₹72,000
Professional tax− ₹2,400
Net annual in-hand₹10,24,740

old regime

Monthly in-hand
₹74,367
Gross salary (annual)₹10,99,140
Standard deduction− ₹50,000
Taxable income₹10,49,140
Income tax + cess₹1,32,332
Employee PF− ₹72,000
Professional tax− ₹2,400
Net annual in-hand₹8,92,408
How your CTC is split
Basic₹6,00,000
HRA₹3,00,000
Special allowance₹1,99,140
Employer PF₹72,000
Gratuity₹28,860

Employer PF and gratuity are part of CTC but not paid as monthly cash.

How take-home salary is calculated in India

Your cost-to-company (CTC) is not what lands in your bank account. From it, employers carve out retirals like employer Provident Fund (PF) and gratuity, which are part of CTC but not paid as monthly cash. Your taxable salary is then reduced by the standard deduction (₹75,000 in the new regime) and, in the old regime, by exemptions such as HRA and deductions under 80C, 80D, and home-loan interest. Income tax, a 4% cess, employee PF, and state professional tax are deducted to arrive at your monthly in-hand figure.

The right tax regime depends on your deductions. With few investments, the new regime usually wins; with high HRA, 80C, and home-loan interest, the old regime can come out ahead. This calculator computes both and tells you which is better. See the full methodology.

Take-home by CTC