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Calculate exact monthly take-home salary from your annual CTC package after PF, PT, and Income Tax deductions.
Net salary credited to your bank account every month
Calculations follow official federal and central bank guidelines (IRS, RBI), statutory tax provisions, and standardized actuarial compounding.
Why our math is exact vs other portals →The CTC to In-Hand Salary Calculator is built to eliminate financial ambiguity by applying exact Indian financial mathematics rather than generic, oversimplified online estimates.
Whether evaluating interest liability on bank credit, calculating compounding acceleration on systematic investments, or forecasting net post-tax maturity values, accurate forecasting ensures you never misjudge your cash flow or long-term corpus.
Applies standard deductions, EPF matching, and New Tax Regime slabs.
Generic percentage deduction without EPS ceiling split
Statutory 12% employee PF with employer split (3.67% EPF + 8.33% EPS capped at ₹15,000 wage ceiling) + exact HRA exemption limits.
In India, retail lending follows RBI guidelines on reducing balance compounding and External Benchmark Linked Lending Rates (EBLR/RLLR). Fixed deposits follow RBI quarterly compounding mandates, while mutual fund equity investments adhere to SEBI NAV timing and post-Budget 2024 capital gains tax provisions (12.5% LTCG over ₹1.25L).
₹10,00,000 CTC in metro city.
Monthly net take-home salary is ~₹78,416 after PF and taxes.
New Regime includes ₹75,000 standard deduction for salaried employees and Section 87A full tax rebate up to ₹7,00,000.
| Income Bracket | New Tax Regime Rate | Old Tax Regime Rate | Deductions Permitted? |
|---|---|---|---|
| ₹0 to ₹3,00,000 | Nil | Nil | Tax Free |
| ₹3,00,001 to ₹5,00,000 | 5% | 5% | Old: 80C, 80D, HRA | New: Std ₹75k only |
| ₹5,00,001 to ₹6,00,000 | 5% | 20% | Old: 80C, 80D, HRA | New: Std ₹75k only |
| ₹6,00,001 to ₹7,00,000 | 10% | 20% | Old: 80C, 80D, HRA | New: Std ₹75k only |
| ₹7,00,001 to ₹9,00,000 | 10% | 20% | Old: 80C, 80D, HRA | New: Std ₹75k only |
| ₹9,00,001 to ₹10,00,000 | 15% | 20% | Old: 80C, 80D, HRA | New: Std ₹75k only |
| ₹10,00,001 to ₹12,00,000 | 15% | 30% | Old: 80C, 80D, HRA | New: Std ₹75k only |
| ₹12,00,001 to ₹15,00,000 | 20% | 30% | Old: 80C, 80D, HRA | New: Std ₹75k only |
| Above ₹15,00,000 | 30% | 30% | Old: 80C, 80D, HRA | New: Std ₹75k only |
By taking Gross Salary and subtracting employee EPF (12% of basic), Professional Tax (~₹200/mo), and Income Tax TDS.
Calculate exact monthly take-home salary from your annual CTC after EPF, PT, and Income Tax deductions.
Calculate your tax-exempt HRA amount under Section 10(13A) of the Income Tax Act.
Compare tax liability between Old and New Tax Regime for FY 2024-25 & FY 2025-26 with Section 87A rebate.
Detailed breakdown of Cost to Company (CTC) components: Basic, HRA, Employer EPF, Gratuity, Professional Tax, and TDS deductions.
How your 12% EPF contribution and employer share are distributed between EPF and EPS, and why Voluntary Provident Fund (VPF) is a top debt instrument.
Learn how the statutory 15/26 gratuity formula works under the Payment of Gratuity Act 1972, 5-year vesting rules, and tax exemption limits.
Deepen your financial planning across interconnected tools. Every calculator within this cluster shares statutory logic and standardized Indian financial formulas.