In-Hand Salary Calculator

In-hand salary = CTC − Employer PF − Bonus (if variable) = Gross Salary. Then deductions are applied: Gross Salary − Employee PF − Professional Tax − Income Tax = Annual Take-Home. Dividing by 12 gives Monthly Take-Home. The key variables are (1) your tax regime choice, (2) the PF contribution amount, and (3) old-regime deductions like HRA, 80C, and 80D. Our calculator handles all of these automatically.

It depends entirely on your deductions. The New Regime is generally better if your total old-regime deductions (HRA + 80C + 80D + standard deduction) are less than approximately ₹3.75L. If your deductions exceed that, the Old Regime may save more. For most salaried employees earning up to ₹15L with a home loan and 80C investments, the comparison is close — use our side-by-side calculator to find the exact difference for your specific numbers.

Section 87A provides a full income tax rebate under both regimes. Under the New Regime (FY 2025-26): if your taxable income ≤ ₹12L, your tax is fully waived — making salaries up to ₹12.75L (₹12L + ₹75K standard deduction) completely tax-free. Under the Old Regime: the 87A rebate applies if taxable income ≤ ₹5L, making salaries up to ₹5.5L tax-free (₹5L + ₹50K standard deduction). The 4% Health & Education Cess is levied on top of any remaining tax liability in both cases.