Take-Home Salary Calculator (FY 2025-26)
Estimate your in-hand pay after income tax and EPF, per year and per month, under the New or Old regime.
New regimeOld regime
Take-home
88%
Take-home (per month)
Take-home (annual)
₹13,12,500
Total deductions
₹1,87,500
Effective rate
12.5%
Take-home ₹13,12,500Income tax ₹97,500EPF ₹90,000
Income tax (incl. cess)
₹97,500
Employee EPF (annual)
₹90,000
EPF (monthly)
₹7,500
Taxable income
₹14,25,000
Take-home = gross CTC − income tax (incl. 4% cess) − employee EPF (12% of Basic). EPF is your own retirement saving, not a tax. Professional tax, employer EPF, gratuity and variable pay are not modelled. Estimate only, not tax advice.
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How in-hand salary is calculated (FY 2025-26)
- Income tax on your CTC using the chosen regime's slabs, plus 4% Health & Education Cess
- Employee EPF: 12% of Basic pay (Basic set as a % of CTC)
- Take-home = CTC − income tax (incl. cess) − employee EPF
Standard deductions by regime
| Item | New regime | Old regime |
|---|---|---|
| Standard deduction | ₹75,000 | ₹50,000 |
| Section 80C (e.g. EPF, PPF, ELSS) | Not available | Up to ₹1,50,000 |
| Section 87A rebate up to | ₹12,00,000 taxable | ₹5,00,000 taxable |
Estimates only — professional tax, employer EPF, gratuity and variable pay are not included. This is not tax advice.
Frequently Asked Questions
- How is take-home salary calculated?
- Take-home = gross CTC − income tax (including 4% cess) − employee EPF. Income tax uses the FY 2025-26 slabs for the regime you choose; EPF is 12% of your Basic pay.
- How much EPF is deducted?
- The employee EPF contribution is 12% of Basic pay. You can set Basic as a percentage of CTC (commonly 40–50%). EPF is your own retirement saving, not a tax, and the employer usually matches it.
- What is the difference between CTC and in-hand salary?
- CTC (Cost to Company) is the total package and may include employer EPF, gratuity, bonuses and benefits. In-hand (take-home) salary is what reaches your bank account after income tax and your own EPF and other deductions.
- Does the regime affect my take-home?
- Yes. The New regime usually gives a higher take-home for people with few deductions, while the Old regime can win if you claim large deductions like 80C, HRA and home-loan interest. Use the toggle to compare.
- Is professional tax included?
- No. Professional tax (a small state levy, up to about ₹2,500/year), employer EPF, gratuity and variable pay are not modelled. Treat this as an estimate for planning.
📅 Last updated: June 2026 · Formulas follow standard banking / tax conventions · Results are for reference only.