Salary Breakup Calculator India – CTC to In-Hand Salary (FY 2025-26)
Convert CTC to In-Hand Salary instantly using our salary breakup calculator. Updated with Budget 2025 New Regime slabs, ₹75,000 standard deduction, and Employer NPS logic.
Salary Details
Part of CTC, excluded from PF.
Settings
| Component | Amount |
|---|---|
| Basic Salary | ₹ 0 |
| HRA | ₹ 0 |
| Special Allowance | ₹ 0 |
| DEDUCTIONS | |
| Provident Fund (Employee) | -₹0 |
| Income Tax (TDS) | -₹0 |
| Professional Tax | -₹0 |
| CTC COMPONENTS (NOT IN HAND) | |
| Employer PF | ₹ 0 |
| Gratuity | ₹ 0 |
| Net Salary | ₹ 0 |
CTC to In-Hand Salary Calculator India (FY 2025-26)
Use this CTC to in-hand salary calculator India to convert your annual CTC into monthly take-home pay with updated FY 2025-26 tax rules.
How In-Hand Salary is Calculated (FY 2025-26)
Your CTC (Cost to Company) represents the total amount the company spends on you, but it’s not what you receive. Here’s the math:
To estimate tax on your salary, use our Income Tax Calculator to compare Old vs New Tax Regime.
Fixed Gross = CTC – Variable Pay – Employer PF – Gratuity – Employer NPS
In-Hand = Fixed Gross + Variable Pay – Employee PF – Prof Tax – Income Tax
- Standard Deduction: ₹75,000 flat deduction under New Regime (up from ₹50k).
- Employer NPS: Contribution up to 10% of Basic is tax-exempt u/s 80CCD(2) under both regimes.
- Professional Tax: State-levied tax (e.g., ₹200/mo in Maharashtra, slab-based in West Bengal).
Tax rules are based on guidelines published by the Income Tax Department of India .
Frequently Asked Questions – Salary Breakup Calculator
A salary breakup calculator helps you convert CTC to in-hand salary with a detailed salary components breakup. This salary breakup calculator India supports FY 2025-26 rules, including Bonus, HRA override, state-wise Professional Tax, and New Regime tax slabs for accurate monthly salary breakup.
What is a Salary Breakup Calculator and how does it work?
A salary breakup calculator is a tool that breaks down your CTC into components like Basic, HRA, Special Allowance, PF, Gratuity, and Tax. It calculates your in-hand salary by subtracting deductions and shows both monthly and yearly views.
How to use a CTC Breakup Calculator for accurate in-hand salary?
Enter your annual CTC, Bonus/Variable pay, Basic % , and location. The CTC breakup calculator automatically deducts Employer PF, Gratuity, Employee PF, Professional Tax, and Income Tax to show your take-home pay.
What is included in Salary Structure Calculator components?
A salary structure calculator typically includes Basic Salary, HRA (auto or manual), Special Allowance, Bonus, Employer/Employee PF, Gratuity, Professional Tax, and TDS based on New/Old Regime slabs.
How does an In-Hand Salary Calculator handle Professional Tax?
This in-hand salary calculator applies state-specific rules: ₹2,500/year in Maharashtra, slab-based in West Bengal, ₹2,400 in Karnataka/Telangana, or ₹0 in states like Delhi/UP.
Can a CTC to Take Home Salary Calculator include Bonus?
Yes! Enter your annual Bonus/Variable pay separately. The CTC to take home salary calculator treats it as fully taxable but exempt from PF, showing its impact on monthly salary breakup.
How is HRA calculated in Salary Breakup Calculator India?
Choose auto (50% Basic in Metro, 40% Non-Metro) or manual override. For Old Regime, it computes exemption as min(HRA, Rent Paid – 10% Basic, metro limit) to reduce taxable income.
Does this Salary Breakup Calculator support PF capping?
Yes. Toggle PF capping to limit both Employer & Employee contributions to ₹1,800/month (₹15,000 wage ceiling), increasing your in-hand salary but reducing retirement savings.
How accurate is the Monthly Salary Breakup in this tool?
It uses FY 2025-26 rules: ₹75,000 Standard Deduction (New Regime), 4% Cess, basic surcharge (>₹50L), and precise HRA/PF logic for realistic monthly salary breakup estimates.
If tax is deducted monthly from your salary, check deductions using our TDS Calculator.