India Take-Home Salary Calculator
Free India take-home salary calculator: in-hand pay after income tax (new regime) and EPF, 2025-26 slabs, every step shown.
Need to free India take? India Take-Home Salary Calculator gives you an exact answer in seconds. Just enter Annual CTC (₹) and Employee EPF (%) and the result updates as you type. You get a clean, precise output with the full working shown, so you can verify every step. Great when you want certainty fast — no formulas to memorize, no apps to install. Everything runs in your browser — your inputs are not sent to our servers, and it works offline after the first visit (currency conversion needs a live connection). One of 1206+ free CalcProMaster calculators covering india take home salary calculator, in hand salary calculator india and similar everyday questions. Try India Take-Home Salary Calculator now and keep it handy for next time.
What does the India Take-Home Salary Calculator do?
It converts CTC into monthly in-hand salary using the 2025-26 new-regime slabs, the ₹60,000 rebate for taxable income up to ₹12 lakh, the ₹75,000 standard deduction and employee EPF. The defaults produce about ₹74,800 per month in hand on a ₹12 lakh CTC.
- Inputs: annual CTC and employee EPF percentage.
- Output: monthly in-hand pay with tax, cess and EPF itemised.
- Method: the 2025-26 new-regime slab table, evaluated entirely in your browser.
Quick answer
A ₹12,00,000 CTC with 12% EPF leaves about ₹74,800 per month in hand under the new regime. Enter your own CTC for the exact split.
What This Calculator Really Does
The India Take-Home Salary Calculator answers the question every offer letter raises: a CTC of ₹12 lakh means in-hand how much? It walks from CTC to base salary (about 85% of CTC), subtracts the ₹75,000 standard deduction and employee EPF, applies the 2025-26 new-regime slab tax with the ₹60,000 rebate for taxable income up to ₹12 lakh, adds the 4% health and education cess, and reports monthly in-hand pay with every step itemised.
The 2025-26 new-regime slabs
- ₹0–4 lakh: nil
- ₹4–8 lakh: 5%
- ₹8–12 lakh: 10%
- ₹12–16 lakh: 15%
- ₹16–20 lakh: 20%
- ₹20–24 lakh: 25%
- Above ₹24 lakh: 30%
- Rebate: slab tax waived up to ₹60,000 when taxable income stays at or below ₹12 lakh — Section 87A in the new regime.
Worked example with real numbers
CTC ₹12,00,000 with 12% EPF: base salary ₹10,20,000; EPF ₹1,22,400 (under the ₹1.5 lakh cap); taxable income ₹8,22,600 after the standard deduction; slab tax ₹21,130; the ₹60,000 rebate cancels it to nil; in-hand lands at about ₹8,97,600 a year, or ₹74,800 per month. Enter your own CTC and the steps re-derive each figure instantly.
What it deliberately does not model
HRA, LTA, professional tax and the old regime are out of scope — this page is deliberately the new-regime take-home view, which is the default for most salaried employees since 2023. HRA and LTA exemptions belong to the old regime; the dedicated income-tax tools cover bracket-by-bracket comparisons between regimes.
Reading the result
The main panel leads with monthly in-hand pay; the extra line shows the annual figure with tax-plus-cess and EPF itemised. The donut chart shows how much of your CTC actually reaches you versus what goes to the taxman and your retirement corpus — a picture many first-job offers make painfully clear.
Privacy and availability
Everything runs locally in your browser: no account, no upload, no tracking, and the page keeps working offline after the first visit. The result is an estimate computed from your inputs; real payslips can differ through employer-specific structures, but the method matches how Indian payroll actually derives net pay under the new regime.
From Our Guides Library
Frequently Asked Questions
How is the in-hand salary calculated from CTC?
Base salary (about 85% of CTC) minus employee EPF, minus new-regime slab tax after the ₹75,000 standard deduction and the ₹60,000 rebate, minus 4% cess — then divided by 12. Every subtraction appears in the steps panel with exact figures.
What do I need to use the India Take-Home Salary Calculator?
Just your annual CTC and your EPF contribution percentage. The defaults (₹12 lakh, 12%) already show a complete worked example, so you can see the method before entering your own offer.
What does the result from the India Take-Home Salary Calculator mean?
The headline is monthly in-hand pay — the amount credited to your bank account after income tax, cess and EPF. The extra line shows the annual figure with each component itemised for context.
Is the ₹60,000 rebate applied automatically?
Yes — when taxable income stays at or below ₹12 lakh, the rebate cancels slab tax up to ₹60,000, exactly how Section 87A works in the new regime for 2025-26.
Does it include HRA or old-regime options?
No — this page models only the new regime, which most salaried employees now use. HRA and LTA exemptions belong to the old regime; use the dedicated income-tax tools for that comparison.
Why is base salary 85% of CTC?
CTC typically includes employer PF and gratuity on top of gross salary; 85% is a common industry approximation. If you know your exact base, enter a proportionally lower CTC.
Is professional tax included?
State professional tax (₹200 per month in most states) is not subtracted; it would reduce in-hand by about ₹2,400 a year where applicable.