Gains Calculator
Old Regime Deductions
CTC to In Hand Salary Calculator – Calculate Your Take-Home Pay Easily
The in hand salary calculator helps you find the actual amount credited to your bank account every month after deductions like income tax, employee provident fund (EPF), professional tax, and gratuity. Understanding your in-hand salary is vital for effective financial planning and budgeting.
Use this best free online In-Hand Salary Calculator to get a precise estimate of your net salary. Whether you're a salaried professional planning a switch, comparing job offers, or filing your tax return, this tool helps you break down the tax implications and deductions in a clear format.
What is In-Hand Salary?
In-hand salary or take-home pay is your net salary after all statutory deductions. Use our ctc to in hand salary calculator to get a precise estimate and understand how your CTC translates to your monthly payout.
Key Components of Your Salary Structure
- CTC (Cost to Company): The total compensation package offered by your employer including base pay, bonuses, allowances, employer PF, gratuity, and more.
- Basic Salary: The fixed portion forming the base for calculating PF and gratuity.
- Allowances: Components like HRA, travel, and medical allowances that may be partially taxable.
- Employee PF: Usually 12% of basic salary deducted from your take-home pay.
- Employer PF & Gratuity: Included in CTC but not part of monthly in-hand salary.
- Income Tax: Deducted at source based on your declared tax regime and investments.
Old vs New Tax Regime – Which Saves You More?
Our ctc and in hand salary calculator compares both tax regimes for FY 2025–26 to help you pick the most tax-efficient option.
Old Tax Regime
- Allows deductions such as Section 80C, 80D, HRA, and LTA.
- Best suited for individuals investing in tax-saving instruments like PPF, ELSS, or LIC.
New Tax Regime
- Offers lower tax slab rates but disallows most exemptions and deductions.
- Ideal for those with fewer investments or claims.
Use our in hand pay calculator to instantly compare monthly take-home salaries under both regimes.
How to Use This CTC to In Hand Salary Calculator
- Enter your annual CTC.
- Provide details for employer PF, employee PF, and gratuity if applicable.
- Select your preferred tax regime (Old or New).
- Add deductions like HRA, 80C, or 80D (only for Old Regime).
- View your monthly and yearly in-hand salary along with tax deductions.
Benefits of Using Our Online In Hand Salary Calculator
- Free and Instant: No registration needed, accessible online anytime.
- Tax Regime Comparison: Auto compares Old vs New tax regimes for optimal savings.
- Accurate Results: Includes tax, PF, and gratuity deductions.
- Updated for FY 2025–26: Reflects latest income tax slab rates and policies.
Income Tax Slabs for FY 2025–26
Old Tax Regime
| Income Range (₹) | Tax Rate |
|---|---|
| 0 – 2,50,000 | Nil |
| 2,50,001 – 5,00,000 | 5% |
| 5,00,001 – 10,00,000 | 20% |
| Above 10,00,000 | 30% |
New Tax Regime
| Income Range (₹) | Tax Rate |
|---|---|
| Up to 4,00,000 | Nil |
| 4,00,001 – 8,00,000 | 5% |
| 8,00,001 – 12,00,000 | 10% |
| 12,00,001 – 16,00,000 | 15% |
| 16,00,001 – 20,00,000 | 20% |
| 20,00,001 – 24,00,000 | 25% |
| Above 24,00,000 | 30% |
Also check out our:
❓ Frequently Asked Questions (FAQs) About In-Hand Salary Calculator
Start using the best in hand salary calculator online to make your salary planning smarter and more tax-efficient—free, fast, and updated for FY 2025–26.