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Indian Salary Tax Calculator

Smart Salary Calculator

Calculate your monthly in-hand salary instantly. Compare Old vs New tax regime, see your exact tax liability, PF deductions, and take-home pay — all in real time.

This calculator breaks a CTC down into what actually reaches your bank account each month. It separates basic pay, allowances, employer and employee provident fund contributions, and deductions, showing gross salary, total deductions and in-hand pay so the gap between CTC and take-home is explicit.

Live ResultsOld & New RegimeHRA Exemption80C DeductionsExpense DonutSmart Insights

How to Use the Calculator

Get your in-hand salary and tax comparison in four quick steps.

Enter Salary Details

Type your annual CTC, basic salary percentage, and any annual bonus. Adjust the sliders for quick changes.

Choose Tax Regime

Select New Regime (FY 2024-25) or Old Regime. For Old, enter 80C deductions and annual rent paid.

Toggle Deductions

Turn Employee PF and Professional Tax on or off to match your actual salary structure and deductions.

Compare & Decide

See monthly in-hand salary, Old vs New regime side-by-side, expense donut chart, and smart insights.

6 Tips to Maximise Your In-Hand Salary

Small tax planning decisions can increase your take-home by ₹5,000–₹20,000/year.

01
Compare Both Regimes Every Year

Your optimal regime can change year to year as investments, salary, and tax laws change. Always compare before filing.

02
Max Out 80C Under Old Regime

ELSS mutual funds, PPF, LIC, and home loan principal all count. Investing the full ₹1.5L cap gives maximum tax benefit.

03
HRA Is Often Overlooked

If you pay rent and your employer provides HRA, you could save substantial tax under the Old Regime — use this calculator to check.

04
NPS Gives Extra 80CCD(1B) Benefit

Under Old Regime, NPS contributions up to ₹50,000 qualify for an additional deduction beyond the 80C limit.

05
PF Builds Long-Term Wealth

At 8.1% EPF interest, even small monthly PF contributions compound significantly over 20–30 years of service.

06
New Regime Default From FY 2024-25

New Regime is now the default regime in India. You must actively opt for Old Regime if it's more beneficial for you.

At a glance

Inputs
Annual CTC, basic pay percentage, allowances, provident fund and deductions
Outputs
Gross salary, total deductions and monthly in-hand pay
Why CTC exceeds take-home
Employer PF and gratuity are counted in CTC but never paid to you monthly
Privacy
Salary figures are processed in your browser and never transmitted

Sources & references

  • EPFO — Provident fund contribution rules that determine the gap between CTC and take-home
  • Income Tax Department, India — Salary taxation, standard deduction and TDS

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Frequently asked questions

Common questions about salary calculation and Indian income tax.

Last updated

CTC (Cost to Company) is the total annual cost your employer bears for you. Monthly in-hand salary = (CTC + Bonus − Income Tax − Employee PF − Professional Tax) ÷ 12. Deductions like PF and tax are subtracted from gross income to arrive at your actual take-home amount.

It depends on your deductions. The New Regime has lower slab rates and a ₹75,000 standard deduction — better if you have few investments. The Old Regime benefits those who claim 80C (up to ₹1.5L), HRA exemption, and other deductions. Use this calculator to compare both regimes for your exact income profile.

Employee PF is 12% of your Basic Salary per month, capped at ₹1,800/month (₹21,600/year). This is deducted from your salary and deposited in your EPF account. Your employer contributes an equal amount, which is typically part of your CTC. PF contributions qualify for 80C deduction under the Old Regime.

Old Regime allows Standard Deduction (₹50,000), Section 80C up to ₹1.5L (ELSS, PPF, LIC, home loan principal, PF), HRA exemption if you are renting, Section 80D for health insurance, and additional NPS deduction under 80CCD(1B) up to ₹50,000. These can significantly reduce your taxable income.

HRA exemption under Old Regime is the lowest of: (1) actual HRA received, (2) rent paid minus 10% of basic salary, (3) 50% of basic for metro cities (Delhi, Mumbai, Chennai, Kolkata) or 40% for non-metro. Enter your annual rent and toggle Metro City in this calculator to see your HRA exemption.

Professional Tax is a state-level tax deducted from your salary. It ranges up to ₹2,500/year depending on the state. States like Maharashtra, Karnataka, and West Bengal levy it; states like Delhi and Haryana do not. This calculator uses the common ₹2,400/year figure — toggle it off if your state doesn't apply it.

Effective tax rate = (Total Income Tax including cess ÷ Annual Gross) × 100. It reflects the actual percentage of your income paid as tax — always lower than your marginal slab rate. For example, if your gross is ₹10L and total tax is ₹75,000, your effective rate is 7.5% even though your marginal rate is 20%.

Yes. A 4% Health and Education Cess is applied on income tax for both regimes. The Section 87A rebate is also applied — making tax zero if taxable income is ₹5L or below (Old Regime) or ₹7L or below (New Regime). Surcharge for very high incomes is not included in this version.