💰 In-Hand Salary Calculator India — CTC to Take-Home (Free)

CTC → monthly take-home pay, with new-regime tax breakdown. Free, no signup.

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Monthly in-hand
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Annual income tax
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Annual in-hand

Breakdown

New regime FY 2025-26 slabs: 0–4L nil, 4–8L 5%, 8–12L 10%, 12–16L 15%, 16–20L 20%, 20–24L 25%, above 24L 30%. Standard deduction ₹75,000. Employee PF 12% of basic. Indicative only — actual pay varies by employer structure.

FAQ

What is the new regime tax slab for FY 2025-26?

0–4L: nil, 4–8L: 5%, 8–12L: 10%, 12–16L: 15%, 16–20L: 20%, 20–24L: 25%, above ₹24L: 30%. Income up to ₹12L pays zero tax after the 87A rebate.

Why is in-hand less than CTC/12?

CTC includes employer PF, gratuity provisions and gross salary before income tax — none of which reach your bank account monthly.

Old vs new regime — which is better?

New regime usually wins if you don't claim many deductions (80C, HRA). Compare both before opting.

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