Salary Calculator
CalcTools AI's Salary Calculator instantly computes your in-hand take-home salary in India for FY 2025-26. Enter your CTC (Cost to Company) in monthly, annual, or LPA format and get a complete breakdown of income tax, Provident Fund contributions, education cess, and professional tax.
All calculations use India's New Tax Regime with the ₹75,000 standard deduction. The results include monthly and annual figures so you can plan your budget with confidence.
How to Use the Salary Calculator
- Choose your salary period — Monthly, Annual, or LPA (Lakhs Per Annum).
- Enter your gross CTC — the total cost-to-company before any deductions.
- Click "Calculate Take-Home Salary" — your in-hand salary and full tax breakdown appear instantly.
Understanding the Deductions
Income Tax (New Regime, FY 2025-26)
Under the new tax regime, a standard deduction of ₹75,000 is applied. The tax slabs are:
| Taxable Income | Tax Rate |
|---|---|
| Up to ₹3 Lakh | 0% |
| ₹3 – ₹7 Lakh | 5% |
| ₹7 – ₹10 Lakh | 10% |
| ₹10 – ₹12 Lakh | 15% |
| ₹12 – ₹15 Lakh | 20% |
| Above ₹15 Lakh | 30% |
Rebate u/s 87A: If your taxable income is ₹7 lakh or less, your income tax is zero.
Education Cess
4% of the calculated income tax is added as education and health cess.
Provident Fund (PF)
The employee contributes 12% of basic salary to PF. This calculator assumes basic = 50% of gross CTC.
Professional Tax
A flat ₹2,400/year (₹200/month) is deducted, representing the average across major Indian states.
Limitations
This calculator provides estimates based on the New Tax Regime. Actual take-home may differ based on:
- Employer-specific salary structures (HRA, LTA, special allowances)
- Old Tax Regime elections
- State-specific professional tax rates
- Additional perquisites (company car, meals, etc.)
Consult a Chartered Accountant for precise tax planning.