₹
SalaryPro
v3.0
CTC to In-Hand Salary Calculator — India
📅 FY 2025–26 (AY 2026–27)
New Regime
Old Regime
💼
Input Parameters
Annual CTC (Fixed + Variable)
₹
Variable / Bonus Component
10%
Salary Structure
Basic (% of Gross)
40%
HRA (% of Basic)
50%
Employee Age
Below 60
60–80 (Senior)
Above 80
Professional Tax /mo
₹
Statutory Deductions
Employee Provident Fund (EPF)
12% of Basic Salary (both sides)
ESIC (Gross ≤ ₹21,000/mo)
Employee 0.75% | Employer 3.25%
Old Regime Deductions
Section 80C
Max ₹1,50,000
₹
PF, PPF, ELSS, LIC, Tuition Fee etc.
Section 80D — Medical Insurance
₹
NPS — Sec 80CCD(1B)
Extra ₹50K
₹
Home Loan Interest — 24(b)
Max ₹2L
₹
City Type (HRA)
Metro (50%)
Non-Metro (40%)
Monthly Rent Paid
₹
Monthly In-Hand
₹0
Ready to Spend / Save
Annual In-Hand
₹0
Excl. variable bonus payout
Monthly TDS
₹0
Annual Tax: ₹0
Monthly Gross
₹0
Before tax deductions
📊 Breakdown
📋 Tax Details
🍩 Visual
⚖️ Compare
📊
Cost Breakdown
📋
Copy Summary
Description
Yearly
Monthly
📋
Tax Calculation — New Regime
🍩
Annual CTC Breakdown
⚖️
Regime Comparison
Key Differences
Feature
New Regime
Old Regime
Standard Deduction
₹75,000
₹50,000
Section 80C
❌ Not allowed
✅ Up to ₹1.5L
HRA Exemption
❌ Not allowed
✅ Allowed
Home Loan 24(b)
❌ Not allowed
✅ Up to ₹2L
87A Tax-Free Limit
₹12,75,000
₹5,00,000
Default Regime
✅ YES
❌ Opt-in
⚠️ For educational purposes based on Budget 2025 / FY 2025-26 rules. Actual tax may vary. Consult a CA for tax filing. | 4% Health & Education Cess applies. | EPF interest rate 8.25% for FY 2025-26.