Salary Calculator India 2026
CTC to in-hand salary — Basic, HRA, PF, TDS, Professional Tax breakdown with new & old regime
Salary Details
Metro: Delhi, Mumbai, Chennai, Kolkata, Bangalore, Hyderabad
Net Take-Home
₹66,512
per month
Gross Salary
₹70,000
per month
Total Deductions
₹3,488
per month
💰 Salary Breakdown
📋 Detailed Salary Slip
| Component | Monthly |
|---|---|
| (+) Basic Salary | ₹40,000 |
| (+) HRA | ₹20,000 |
| (+) LTA | ₹4,000 |
| (+) Medical Allowance | ₹1,250 |
| (+) Special Allowance | ₹4,750 |
| Gross Salary | ₹70,000 |
| (-) Employee PF (12%) | -₹1,800 |
| (-) Professional Tax | -₹200 |
| (-) TDS (Income Tax) | -₹1,488 |
| Net Take-Home | ₹66,512 |
📊 Earnings Components
🧾 Tax Summary
Tax Regime: New (FY 2025-26)
✅ Zero tax — income below ₹12L rebate limit (Budget 2025)
Effective tax rate: 2.1%
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Salary Calculator India 2026 — CTC to Take-Home
This India salary calculator converts your CTC (Cost to Company) to net in-hand salary with a detailed breakdown of all components. Works for FY 2025-26 with new tax regime (Budget 2025 slabs).
Typical Salary Structure in India
Basic: 40-50% | HRA: 40-50% of Basic | LTA: ~4% | Medical: ₹15,000/yr | Special Allowance: balance. Deductions: Employee PF + Prof Tax + TDS. Employer adds: Employer PF + Gratuity provision.
New Tax Regime 2025-26 — No Tax Till ₹12 Lakh
Budget 2025 expanded the rebate: zero tax for income up to ₹12L (was ₹7L). New slabs: 0-4L: 0%, 4-8L: 5%, 8-12L: 10%, 12-16L: 15%, 16-20L: 20%, 20-24L: 25%, above 24L: 30%.
Frequently Asked Questions
What is CTC and how is it different from take-home?
CTC (Cost to Company) includes employer PF, gratuity, and all benefits. Take-home is after deducting employee PF, professional tax, and TDS. A ₹12L CTC typically gives ₹70,000-80,000 monthly take-home.
What percentage of salary is Basic?
Typically Basic is 40-50% of CTC. A higher basic means higher PF (good for retirement), higher HRA exemption, and higher gratuity. However, it also means higher TDS.
How is HRA exemption calculated?
HRA exemption = lowest of: (1) Actual HRA received, (2) 50% of basic for metro/40% for non-metro, (3) Actual rent paid minus 10% of basic. Provide rent receipts to HR to claim full benefit.
Old vs New Tax Regime — which is better?
New regime (default) has lower rates and ₹7L rebate but fewer deductions. Old regime allows 80C, HRA, LTA, home loan etc. If deductions > ₹3.75L, old regime saves more. Calculator shows you both!
What is Professional Tax?
PT is a state-level tax on salaried employees. Karnataka, Maharashtra, WB, AP, Telangana charge ₹200/month. Tamil Nadu charges ₹208/month. Many states like Delhi, UP, Rajasthan don't have PT.
Is Employer PF part of CTC?
Yes, employer PF (12% of basic, capped at ₹1,800/mo) is part of CTC. It's deposited into your EPFO account. Your employee contribution is also 12% of basic. Total PF = 24% of basic.