TooldenTOOLDENFINANCEON-DEVICE
Salary Calculator: CTC to In-Hand (FY 2025-26)
Enter your CTC to see the full breakdown: PF, professional tax, income tax and take-home, under the new or old regime for FY 2025-26.
HOW TO USE
- 1Enter your monthly CTC in rupees.
- 2Set your basic salary as a percentage of CTC — PF is calculated on it.
- 3Pick the New or Old tax regime. The result updates live as you type.
- 4Read off take-home pay, income tax, PF and the slab-by-slab breakdown.
EXAMPLE
INPUT
₹1,00,000 monthly CTC, 40% basic, New Regime, PF on
OUTPUT
₹95,000 monthly take-home, ₹0 income tax (87A rebate), ₹5,760 monthly PF
FAQ
Is the tax amount final?
No — it is an estimate for FY 2025-26. HRA, LTA, 80C beyond employee PF and other exemptions are not included. Consult a tax professional for precise numbers.
Which regime should I pick?
The new regime has lower slabs but fewer deductions; the old regime allows more exemptions like HRA and 80C. The calculator shows one at a time — compare both to see which fits.
Why does the employer PF matter?
Employer PF is part of your CTC but is not paid to you directly and is not part of taxable salary, so it is excluded from take-home and from the tax base.