Free Tool · FY 2025-26 · New Tax Regime

In-Hand Salary Calculator India

Enter your CTC and get a complete salary breakdown — PF, ESI, TDS, Professional Tax, and monthly take-home. Updated for FY 2025-26.

Employee Details
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Metro City?
Mumbai, Delhi, Chennai, Kolkata
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Enter your CTC to see the salary breakdown

Run Payroll in Minutes, Not Days

ERP Group's payroll module automatically calculates salaries, PF, ESI, TDS, generates payslips, and files challans — all in one click.

Step-by-Step Guide

How to Use the Salary Calculator

Get your in-hand salary in 4 simple steps. No registration. No cost. Ever.

01

Enter Annual CTC

Type your Cost to Company (CTC) or tap a quick-select amount. Include all components — base, allowances, and employer contributions.

02

Select HRA & City

Choose 40% (Non-Metro) or 50% (Metro). Toggle Metro City if you're based in Mumbai, Delhi, Chennai, or Kolkata.

03

Choose Tax Regime

Select New Regime (FY 2025-26 default, ₹75K standard deduction) or Old Regime (HRA & 80C exemptions applicable).

04

View Instant Breakdown

See your monthly in-hand salary, gross salary, PF, ESI, TDS, and Professional Tax — all in one clear view.

Salary Components

What's Included in Your CTC?

Your CTC consists of earnings (what you receive) and deductions (what gets cut). Here's the full breakdown.

Component Nature of Payment Typical % of Basic Taxable? Notes
Basic Salary Earning 40–50% of CTC Yes Foundation of all calculations
HRA Earning 40–50% of Basic Partial Exempt under Sec 10(13A) if rent paid
Special Allowance Earning Remaining CTC Yes Balancing figure after all components
Annual Bonus Earning Variable Yes Performance-linked or statutory
PF (Employee) Deduction 12% of Basic No (80C) Deducted from salary; invest in EPF
PF (Employer) CTC Component 12% of Basic No Part of CTC, not take-home
ESI Deduction 0.75% of Gross No Only if gross ≤ ₹21,000/month
Professional Tax Deduction State-dependent No Max ₹2,500/year; varies by state
TDS (Income Tax) Deduction Based on slab — Advance tax on salary; per Sec 192
Tax Comparison

New vs Old Tax Regime FY 2025-26

Not sure which regime to choose? Here's a quick comparison to help you decide.

New Tax Regime

  • ₹75,000 Standard Deduction (FY 2025-26)
  • Lower tax slab rates
  • No HRA, 80C, 80D exemptions
  • No house rent or home loan deduction
  • Best for: CTC below ₹7L or minimal investments
  • Zero tax up to ₹7 lakh income (with rebate)

Old Tax Regime

  • Claim HRA exemption under Section 10(13A)
  • 80C deduction up to ₹1.5 lakh (PF, LIC, ELSS)
  • 80D: Health insurance premium deduction
  • Home loan interest under Sec 24(b)
  • Best for: Investments + rent + home loan EMIs
  • Higher slab rates but more exemptions available

Income Tax Slabs — New Regime FY 2025-26

Income Slab Tax Rate Example (₹10L income)
Up to ₹3,00,000 Nil ₹0
₹3,00,001 – ₹7,00,000 5% ₹20,000
₹7,00,001 – ₹10,00,000 10% ₹30,000
₹10,00,001 – ₹12,00,000 15% -
₹12,00,001 – ₹15,00,000 20% -
Above ₹15,00,000 30% -
Why ERP Group

Run Payroll in Minutes, Not Days

ERP Group automates every step of payroll — from CTC to payslip — so your team never miscalculates again.

Automatic Salary Calculation

Calculate gross, net, PF, ESI, TDS for every employee automatically based on their CTC structure. Zero manual work.

One-Click Payslip Generation

Generate professional payslips for all employees in a single click. Email them directly from the system.

Form 16 & TDS Filing

Auto-generate Form 16 for all employees and prepare 24Q TDS returns in the correct format for TRACES upload.

PF & ESI Challan Filing

Calculate, generate and file PF and ESI challans every month. Never miss a compliance deadline again.

Compliance Reminders

Get automated alerts for salary processing, PF challan, TDS deposit, and Form 16 issuance dates.

Payroll Analytics

Track total payroll cost, department-wise expenses, and CTC trends. Make data-driven HR decisions.

Free GST Tools

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Got Questions?

Frequently Asked Questions

Everything you need to know about GSTIN validation, structure, and compliance in India.

In-hand salary = CTC − Employer PF − Gratuity − Employee PF − ESI − Professional Tax − TDS. The take-home depends on your city (metro/non-metro), chosen tax regime, and HRA eligibility. This calculator uses standard assumptions — consult your HR for exact numbers.

CTC (Cost to Company) is the total annual expense your employer incurs for you — including your salary, employer PF, gratuity, and other benefits. In-hand salary (take-home) is the actual amount credited to your bank after all statutory deductions like PF (12%), ESI (0.75%), TDS, and Professional Tax.

The New Tax Regime (FY 2025-26) offers a ₹75,000 standard deduction and lower slab rates with no exemptions. The Old Regime allows HRA, 80C (₹1.5L), and 80D deductions. If you have significant investments, home loan EMIs, or pay rent, the Old Regime often saves more tax. Use our calculator to compare both.

PF is deducted at 12% of the Basic Salary, not the full CTC. Both employee and employer contribute 12% each. The employer's share is part of CTC but does not reach your bank account — it goes directly to your EPF account and can be withdrawn or used for pension on retirement.

ESI (Employee State Insurance) applies only if your gross monthly salary is ₹21,000 or less. Employee contribution is 0.75% and employer contribution is 3.25% of gross salary. ESI provides medical and insurance benefits to employees and their families.

HRA is 50% of Basic for metro cities and 40% for non-metro. Under the Old Tax Regime, HRA is partially exempt under Sec 10(13A) — the exempt portion is the minimum of: (1) actual HRA received, (2) actual rent paid minus 10% of basic, or (3) 50%/40% of basic. Under the New Regime, HRA is fully taxable.

Professional Tax is a state-level tax levied on salaried employees. It's deducted by the employer and deposited with the state government. The maximum is ₹2,500 per year. Not all states levy it — Maharashtra, Karnataka, West Bengal, Andhra Pradesh, and Tamil Nadu are major ones. It is deductible from gross taxable income.

Special Allowance is the remaining portion of your gross salary after Basic, HRA, and other defined components. It is fully taxable and acts as a balancing figure. Many companies increase this to keep CTC intact while offering flexibility in other components.

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