In-Hand Salary Calculator

In-hand salary (also called take-home salary or net pay) is the amount credited to your bank account each month after all statutory deductions — EPF employee contribution, Professional Tax, ESI, and TDS (income tax) — are subtracted from your gross salary. It is the only figure that matters for your actual monthly budget, EMIs, and savings capacity.

CTC is the total employer cost including your salary, employer EPF, gratuity, and benefits. Gross Salary is CTC minus employer contributions — what shows on your payslip as gross. In-Hand is Gross minus employee deductions (EPF, PT, ESI, TDS). For a ?12L CTC, gross is typically ?10.99L and take-home is roughly ?83,000-?90,000 per month.

For FY 2025-26, the New Regime is better for most employees. The 87A rebate makes income up to ?12L fully tax-free, and the ?75,000 standard deduction reduces taxable income further. Old Regime wins only if your total deductions (80C + 80D + HRA exemption + home loan interest) exceed roughly ?4.75L — which typically means CTC above ?15L with maximum 80C utilisation, rent paid, and a home loan running simultaneously. Use the comparison box in results to see your specific situation.

Employee EPF is 12% of your Basic Salary per month, deducted from your gross and deposited to your EPF account. Employer also contributes 12% — this comes from CTC, not your take-home. If your Basic exceeds ?15,000/month, you have the option to cap EPF at ?1,800/month (12% × ?15,000) — this is the statutory minimum. Opting for the cap increases your in-hand salary but reduces your EPF corpus accumulation.

No. Professional Tax is a state-level levy under Article 276 of the Constitution and varies by state. Karnataka, Maharashtra, West Bengal, Tamil Nadu, Andhra Pradesh, Telangana, Gujarat, and Kerala all levy PT at around ?200/month (?2,400-?2,500/year). States like Delhi, Uttar Pradesh, Rajasthan, Haryana, Himachal Pradesh, Punjab, and Madhya Pradesh do not levy Professional Tax at all. Select your state in the calculator for accurate deduction.

ESI (Employee State Insurance) applies only when your gross monthly salary is ?21,000 or less (?25,000 for workers with disability). If eligible, the employee contribution is 0.75% of gross salary and the employer contributes 3.25%. Once your gross exceeds ?21,000 in any month, ESI ceases to apply for that month. This calculator auto-checks your computed gross monthly salary and applies ESI only when eligible — you don't need to toggle it manually.

Yes, both are accounted for. Employer EPF (12% of Basic) and Gratuity (4.81% of Basic) are deducted from CTC to compute Gross Salary — this matches how most Indian employers build salary packages. You can toggle either off if your employer explicitly excludes them from CTC. Only Employee EPF (your share) is deducted from your take-home; employer EPF and gratuity never reduce your in-hand salary.

This calculator uses the official FY 2025-26 income tax slabs for both Old and New regimes, including rebate u/s 87A, applicable surcharge (10% above ?50L), and 4% Health & Education Cess. It is accurate for standard salary structures. Your actual TDS may differ slightly if your employer uses a different salary structure, values perquisites differently, or if you have income from other sources like freelancing, capital gains, or property. For precise tax planning, consult a Chartered Accountant.