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.
new regime
Recommendedold regime
How your CTC is split
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.