Salary Calculator India 2026: CTC to In-Hand Pay
Free salary calculator for Indian employees and employers. Enter your annual CTC and get a full breakup: basic salary, HRA, EPF, professional tax, income tax, and monthly in-hand salary.
How in-hand salary is calculated in India
- Basic Salary: typically 40-50% of CTC
- HRA: 40-50% of basic salary
- Special Allowance: remaining amount after basic + HRA
- EPF deduction: 12% of basic (employee share), max Rs 1,800/month
- Professional Tax: Rs 200/month in most states (varies)
- Income Tax: based on new regime slabs for FY 2025-26
- In-hand = Gross salary minus EPF minus Professional Tax minus Income Tax
New regime income tax slabs FY 2025-26
- Up to Rs 4 lakh: Nil
- Rs 4-8 lakh: 5%
- Rs 8-12 lakh: 10%
- Rs 12-16 lakh: 15%
- Rs 16-20 lakh: 20%
- Rs 20-24 lakh: 25%
- Above Rs 24 lakh: 30%
FAQs
What is CTC vs in-hand salary?
CTC (Cost to Company) is the total amount your employer spends including EPF employer share and other benefits. In-hand salary is what you actually receive after all deductions.
How much of CTC is in-hand salary in India?
Typically 70-80% of CTC for most salary ranges, depending on tax slab, EPF opt-in, and state professional tax.
Is professional tax the same in all states?
No. Each state sets its own professional tax slabs. Some states like Delhi, UP, and Haryana do not levy professional tax at all.
Does this calculator use new or old tax regime?
It uses the new tax regime slabs for FY 2025-26 by default, which most salaried employees are on.