What is CTC and how is it different from in-hand salary?

CTC (Cost to Company) is the total amount a company spends on an employee per year, including Basic, HRA, PF (employer share), gratuity, bonus, and all allowances. In-hand (take-home) salary is what you actually receive after deducting employee PF, professional tax, and income tax from your gross salary.

How is in-hand salary calculated from CTC?

Gross Salary = CTC - Employer PF - Gratuity. Then In-Hand = Gross Salary - Employee PF - Professional Tax - Income Tax. For example, on a 10 LPA CTC with 40% basic, your monthly in-hand is approximately 69,000-72,000 depending on your tax regime and deductions.

Which is better — Old or New Tax Regime for FY 2025-26?

The New Regime is better if your total deductions (80C, 80D, HRA, home loan) are less than about 3-4 lakhs. The Old Regime is better if you have significant deductions like home loan interest, HRA exemption, and full 80C investments. Our calculator compares both automatically.

What is the PF cap of 15,000?

Most companies cap PF contribution at a basic salary of 15,000/month. This means both employer and employee PF is calculated on 15,000 (i.e., 1,800/month each) regardless of actual basic salary. Some companies contribute PF on the full basic salary — toggle the cap option accordingly.

What are the new tax slabs for FY 2025-26?

Under the New Regime: 0-4L (Nil), 4-8L (5%), 8-12L (10%), 12-16L (15%), 16-20L (20%), 20-24L (25%), above 24L (30%). Standard deduction is 75,000. Income up to 12L is effectively tax-free due to the rebate under Section 87A.

Is Professional Tax the same in all states?

No. Professional Tax varies by state. Most states charge 2,400/year (200/month). Karnataka charges 2,400 for salary above 15,000/month. Some states like Rajasthan and Delhi do not levy professional tax. Adjust the value in the calculator as per your state.

Salary Calculator (CTC to In-Hand)

Calculate your in-hand salary from CTC with Old vs New Tax Regime comparison for FY 2025-26.

Updated Mar 2026100% Private — runs in browser

CTC to In-Hand Salary Calculator

FY 2025-26 | Old vs New Tax Regime | India

Annual CTC

₹10,00,000

Monthly In-Hand (Best)

₹77,930

Best Regime

New Regime

Salary Details

Annual CTC (Cost to Company)

₹

Basic Salary

% CTC

HRA

% Basic

Employer PF

% Basic

Professional Tax

₹/yr

PF capped at ₹15,000/mo baseInclude Gratuity in CTCMetro city (for HRA)

Quick Select CTC

FY 2025-26

Annual In-Hand Salary

Old Regime₹8,73,455

New Regime₹9,35,160

New regime saves you ₹61,705

Annual Income Tax

Old Regime₹61,705

New Regime₹0

Old regime saves you ₹61,705

New Tax Regime saves you more! You save ₹61,705/year (₹5,142/month)

CTC Breakdown

Basic Salary₹4,00,000

HRA₹2,00,000

Special Allowance₹3,59,160

Employer PF₹21,600

Gratuity₹19,240

Total CTC₹10,00,000

Deductions

Employee PF₹21,600

Professional Tax₹2,400

Tax (New Regime)₹0

Tax (Old Regime)₹61,705

Gross Salary₹9,59,160

In-Hand (New Regime)₹9,35,160

In-Hand (Old Regime)₹8,73,455

Salary Distribution (New Regime)

In-Hand

Employee PF

Professional Tax

Employer PF

Gratuity

New Regime Tax Slabs (FY 2025-26)

Up to 4LNil

4L - 8L5%

8L - 12L10%

12L - 16L15%

16L - 20L20%

20L - 24L25%

Above 24L30%

Standard Deduction: 75,000 | Rebate up to 12L

Old Regime Tax Slabs (FY 2025-26)

Up to 2.5LNil

2.5L - 5L5%

5L - 10L20%

Above 10L30%

Standard Deduction: 50,000 | 80C/80D/HRA allowed