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India In-Hand Salary Calculator (New Regime, FY 2025-26)
Turn your CTC into a real monthly take-home figure under the new tax regime for FY 2025-26 (AY 2026-27) — including the ₹75,000 standard deduction, the Section 87A rebate up to ₹12 lakh, EPF, and 4% cess.
New regime · FY 2025-26 slabs · Budget 2025
Estimate based on standard assumptions (basic % of CTC, EPF at 12% of basic). Your actual payslip depends on your employer's salary structure, professional tax (state-specific), gratuity, and other components. Educational use, not financial advice.
New regime slabs — FY 2025-26
| Taxable income (₹) | Rate |
|---|
| 0 – 4,00,000 | 0% |
| 4,00,001 – 8,00,000 | 5% |
| 8,00,001 – 12,00,000 | 10% |
| 12,00,001 – 16,00,000 | 15% |
| 16,00,001 – 20,00,000 | 20% |
| 20,00,001 – 24,00,000 | 25% |
| Above 24,00,000 | 30% |
Section 87A rebate: taxable income up to ₹12,00,000 pays zero tax. A 4% health & education cess applies to the tax above that.
Worked example
CTC ₹15,00,000, basic 50% (₹7,50,000). Employer EPF = 12% × basic = ₹90,000, so gross ≈ ₹14,10,000. Taxable = ₹14,10,000 − ₹75,000 = ₹13,35,000. Slab tax ≈ ₹80,250 + 4% cess ≈ ₹83,460. Employee EPF ₹90,000. Annual in-hand ≈ ₹12,36,540 → about ₹1,03,045/month.
How the calculation works
- Gross = CTC − employer EPF (12% of basic).
- Taxable = Gross − ₹75,000 standard deduction.
- Tax = slab tax; if taxable ≤ ₹12,00,000, Section 87A rebate zeroes it. Add 4% cess.
- In-hand = Gross − tax − employee EPF (12% of basic).
FAQ
Old regime or new?
This tool models the new regime (default from FY 2023-24, updated slabs for FY 2025-26), which most salaried taxpayers now use.
Does it include professional tax?
No — professional tax is state-specific (max ₹2,500/yr) and excluded for simplicity.