In-Hand Salary Calculator
Calculate take-home salary from CTC
Standard Deduction: ₹75,000
New regime offers higher standard deduction but limited other deductions
Rebate u/s 87A:
Available if taxable income ≤ ₹12,00,000
Max rebate: ₹60,000
Typically 12% of Basic (max ₹1,800/month)
Typically 12% of Basic (max ₹1,800/month)
Usually ₹200/month (₹2,400/year), varies by state
Monthly In-Hand
₹89,667
Annual In-Hand
₹10,76,000
Take-Home Percentage
95.93% of CTC
| Total CTC | ₹11,21,600 |
| Gross Salary | ₹11,00,000 |
| Taxable Income | ₹10,03,400 |
| Tax Before Rebate | ₹40,340 |
| Rebate u/s 87A Eligible (Income ≤ ₹12,00,000) | -₹40,340 |
| Income Tax (After Rebate) | ₹0 |
| Health & Education Cess (4%) | ₹0 |
| Total Tax (Annual) | ₹0 |
| Effective Tax Rate | 0% |
| Provident Fund | ₹1,800 |
| Professional Tax | ₹200 |
| Income Tax (TDS) | ₹0 |
| Total Monthly Deductions | ₹2,000 |
| Income Range | Tax Rate |
|---|---|
| ₹0 - ₹4,00,000 | 0% |
| ₹4,00,000 - ₹8,00,000 | 5% |
| ₹8,00,000 - ₹12,00,000 | 10% |
| ₹12,00,000 - ₹16,00,000 | 15% |
| ₹16,00,000 - ₹20,00,000 | 20% |
| ₹20,00,000 - ₹24,00,000 | 25% |
| ₹24,00,000 - Above | 30% |
New Regime (FY 2025-26):
- Standard Deduction: ₹75,000
- Rebate u/s 87A: Up to ₹60,000 if income ≤ ₹12,00,000 (Zero tax up to ₹12L)
- No deductions for 80C, 80D, HRA exemption
- Lower tax rates overall
Old Regime (FY 2025-26):
- Standard Deduction: ₹50,000
- Rebate u/s 87A: Up to ₹12,500 if income ≤ ₹5,00,000 (Zero tax up to ₹5L)
- Allows 80C (₹1.5L), 80D, HRA exemption, home loan interest
- Higher tax rates but more deduction opportunities
Tip: Try both regimes using the dropdown to see which gives you higher take-home! New regime is default and offers zero tax up to ₹12 lakh (with rebate).
Step 1: Enter Your CTC Components
Fill in your salary breakup details like basic, HRA, allowances, and bonuses from your offer letter or payslip.
Step 2: Select Financial Year & Tax Regime
Choose FY 2025-26 or 2026-27, and select between new tax regime (default) or old tax regime.
Step 3: Add Deductions (Old Regime Only)
If using old regime, enter your 80C investments, 80D health insurance, and other deductions to reduce taxable income.
Step 4: View Your Take-Home Salary
See your monthly and annual in-hand salary with complete tax breakdown including Section 87A rebate.