Take-Home Salary Calculator
Automatically compares the old and new tax regimes, calculates HRA exemption and state-wise Professional Tax, and shows your real in-hand salary — no manual TDS guessing.
Capped at ₹1,50,000. Only reduces tax under the old regime.
The New Tax Regime saves you more
You pay ₹17,160 less per year under the new regime with these inputs.
New Regime
Old Regime
Monthly breakdown (New regime)
₹200/month (₹300 in February) — annual total ₹2,500.
Take-home / year: ₹6,74,400
Approx. CTC / year: ₹7,80,516
Old vs New tax regime — what's actually different
The new regime (default since FY 2023-24) has lower slab rates and a ₹75,000 standard deduction, plus a Section 87A rebate that makes tax-free income up to ₹12,75,000/year (₹12,00,000 taxable + standard deduction) — but you cannot claim HRA, 80C or most other deductions.
The old regime has higher slab rates and only a ₹50,000 standard deduction and ₹12,500 rebate (up to ₹5,00,000 taxable), but lets you claim HRA exemption, Section 80C (up to ₹1,50,000) and other deductions — which can make it cheaper if you pay significant rent or invest heavily in PPF/ELSS/insurance.
This calculator computes both automatically from your inputs and tells you which one actually costs less — the right answer depends entirely on your HRA/rent and 80C numbers, not a fixed rule.
Frequently asked questions
How is in-hand salary calculated?⌄
In-hand (net) salary = Gross salary − employee PF − employee ESI − Professional Tax − TDS. TDS is computed automatically from your gross salary, HRA/rent and 80C inputs under both tax regimes — you don't need to know it in advance.
Which tax regime should I choose — old or new?⌄
It depends entirely on your HRA/rent and Section 80C investments. The new regime has lower slab rates and a bigger standard deduction but no HRA/80C deductions; the old regime has higher rates but lets you claim HRA exemption and up to ₹1,50,000 under 80C. This calculator computes both automatically and tells you which one actually costs less for your numbers.
Is income up to ₹12 lakh really tax-free under the new regime?⌄
Yes — via the Section 87A rebate (up to ₹60,000), taxable income up to ₹12,00,000 (roughly ₹12,75,000 gross salary, after the ₹75,000 standard deduction) pays zero tax under the new regime for FY 2025-26/2026-27. Marginal relief applies just above that threshold so a small increase in income can't cost more in extra tax than the income itself.
What is the difference between CTC and in-hand salary?⌄
CTC (Cost to Company) is the total amount an employer spends on you, including employer PF, employer ESI and gratuity. In-hand salary is what reaches your bank account after all deductions, and is always lower than CTC.
How much Professional Tax is deducted?⌄
Professional Tax varies by state and is capped at ₹2,500 per year. Maharashtra, Karnataka, Telangana, West Bengal and Tamil Nadu levy it (each with different slabs and, in some cases, gender-based exemptions); Delhi, Uttar Pradesh, Haryana and several other states don't levy it at all. This calculator applies the correct state slab automatically.
Disclaimer: These calculators provide indicative estimates for FY 2025-26 based on standard statutory rules and the inputs you enter. Actual figures depend on your salary structure, state, applicable exemptions and the latest government notifications. Please consult a qualified payroll or tax professional before making decisions.