Enter your annual CTC and get an instant breakdown of gross salary, deductions, and in-hand pay. Compares tax under both New and Old regimes.
Enter your details and click "Calculate Salary" to see the breakdown.
This salary calculator takes your annual CTC (Cost to Company) and breaks it down into the components that make up your monthly pay. It calculates your Basic salary, HRA, Special Allowance, EPF contributions, Professional Tax, and TDS to arrive at your actual in-hand salary.
The calculator also compares your tax liability under both the New Tax Regime (default from FY 2023-24) and the Old Tax Regime (with deductions), so you can see which one saves you more money. All calculations follow the latest tax rules announced in the Union Budget for FY 2025-26.
Is this calculator accurate?
Yes, it follows the official tax slabs and PF rules for FY 2025-26. However, actual figures may vary slightly based on employer-specific policies, state professional tax rates, and individual circumstances. For complex cases, consult a CA.
Is my data safe?
All calculations happen in your browser using JavaScript. No data is sent to any server or stored anywhere. When you close this page, your data is gone.
Which tax regime should I choose?
The calculator shows tax under both regimes. Generally, if your total deductions (80C + 80D + HRA + others) exceed Rs. 3.75 lakh, the Old Regime saves more. Read our detailed comparison guide for more.
Why is my in-hand salary so much less than CTC?
CTC includes employer contributions (PF, gratuity, insurance) that don't come to you as cash. After deducting employee PF, professional tax, and TDS, you typically receive 65-75% of CTC. Read our salary structure guide to understand every component.