In-Hand Salary Calculator

See exactly what will land in your bank account each month after tax, PF, and Professional Tax. Compare Old vs New Regime for FY 2025-26.

FY 2025-26 slabs Built by a lending industry practitioner No login required

Your Salary Details

FY 2025-26 (AY 2026-27)

Basic CTC & Structure

Annual CTC (Rs.)

Basic (% of CTC)

HRA (% of Basic)

City Tier

State (Prof Tax)

Annual Rent Paid (Rs.)

LTA (Rs./year)

I contribute to EPF (12% of Basic)

Deductions (for Old Regime)

These reduce tax only if you pick Old Regime. New Regime allows only Standard Deduction and Employer NPS.

80C Investments (Rs.)

80D Health Ins. (Rs.)

Home Loan Interest (Rs.)

NPS 80CCD(1B) (Rs.)

Employer NPS 80CCD(2) (% of Basic, both regimes)

Max 14% for govt, 10% for private. Reduces taxable income under both regimes.

Your Monthly In-Hand Salary

Rs. 90,192

Annual: Rs. 10,82,300

Good choice. New Regime saves you Rs. 59,363 vs the other option.

Monthly Breakdown

Gross SalaryRs. 95,200

Income Tax + Cess- Rs. 0

Employee PF- Rs. 4,800

Professional Tax- Rs. 208

In-Hand (Take-Home)Rs. 90,192

Annual Salary Structure

Basic SalaryRs. 4,80,000

HRARs. 2,40,000

Special AllowanceRs. 4,80,000

Employer PF (part of CTC)Rs. 57,600

Gross Salary (Annual)Rs. 11,42,400

Taxable Income (New Regime)Rs. 10,67,400

Annual Income TaxRs. 0

Regime Comparison

Metric

New

Old

Taxable Income

Rs. 10,67,400

Rs. 7,22,900

Annual Tax

Rs. 0

Rs. 59,363

What can you do with this in-hand?

Check your loan eligibility or EMI you can comfortably afford.

Check EMI Check Eligibility

Estimates based on FY 2025-26 (AY 2026-27) tax slabs. Actual take-home may vary based on employer-specific structure, insurance premiums, and other deductions. Consult a CA for personalised advice.

KharchaUdhar Insider Tip

Most salary structures show Basic at 40-50% of CTC. If your employer keeps Basic below 40%, your PF contribution and HRA exemption both shrink - which usually reduces the value of the Old Regime for you. When negotiating a new offer, ask HR to model your take-home with Basic at both 40% and 50% before you accept.