वेतन कैलकुलेटर क्या है?
वेतन कैलकुलेटर आपके सीटीसी और कर व्यवस्था से आपके मासिक हाथ में आने वाले वेतन का अनुमान लगाता है। यह आपके द्वारा दर्ज मूल्यों पर मानक सूत्र लागू करता है और तुरंत परिणाम देता है, बिना सर्वर पर कोई डेटा भेजे। कर्मचारी इसका उपयोग नौकरी के प्रस्तावों की तुलना करने और बजट बनाने के लिए करते हैं।
वेतन कैलकुलेटर
FY 2025-26 कर नियमों के तहत सीटीसी से हाथ में आने वाला वेतन। पुरानी बनाम नई व्यवस्था की तुलना।
कंपनी की कुल लागत
₹
₹15.00 Lakh
Enforce 50% wage rule
Per Code on Wages, 2019 - basic must be ≥50% of CTC
Salary components
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₹
₹
₹
₹
Provident Fund & Gratuity▾
₹
₹
₹
₹
Optional add-ons
EPF admin charges
Employer-paid to EPFO. Part of CTC only.
Include gratuity
4.81% of basic salary
Personal & HRA▾
₹
₹
Deductions - Old regime only▾
₹
₹
₹
₹
₹
₹
Take Home Monthly Salary
NEW REGIME₹0
₹0 per year
पुरानी बनाम नई व्यवस्था
पुरानी कर व्यवस्था
₹0
Tax: ₹0
नई कर व्यवस्था
₹0
Tax: ₹0
Salary Structure
Detailed विश्लेषण
Your Tax Slab
Educational tool only - not tax advice. Verify with a CA for filing.
Slabs and rules per Finance Act 2025 / Income Tax Act 1961, applicable for FY 2025-26.
💰 Tax Saving Options - FY 2025-26 (India)
Indian residents can legally reduce taxable income through these deductions and exemptions. Old regime users can claim most of these; the new regime (default from FY 2023-24) only allows a few. Maximums shown are for FY 2025-26.
| Section | What it covers | Max deduction | Old / New |
|---|---|---|---|
| 80C | PPF, ELSS, EPF, NSC, LIC, NPS Tier-1, ULIP, Sukanya Samriddhi, Tuition fees, Home loan principal, 5-yr FD | ₹1,50,000 | Old only |
| 80CCD(1B) | Additional NPS contribution (over 80C) | ₹50,000 | Old only |
| 80D | Health insurance: ₹25K self/family + ₹50K senior parents + ₹5K preventive | ₹1,00,000 | Old only |
| 24(b) | Home loan interest (self-occupied) | ₹2,00,000 | Old only |
| HRA | Min of 3: actual HRA, 50%/40% basic, rent-10% basic | Variable | Old only |
| 80E | Education loan interest (8 years) | No limit | Old only |
| Std Deduction | Salaried + pensioners (auto) | ₹50K (old) / ₹75K (new) | Both |
| 87A Rebate | Net tax rebate if income ≤ ₹12L (new) / ₹5L (old) | Up to ₹60K (new) | Both |
| 80G | Donations to approved charities (50% / 100%) | Variable | Old only |
| 80TTA / 80TTB | Savings interest (₹50K for seniors) | ₹10K / ₹50K | Old only |
Maximum legal saving under old regime (salaried): Standard deduction ₹50K + 80C ₹1.5L + 80CCD(1B) ₹50K + 80D ₹1L + 24(b) ₹2L + HRA (variable) = ~₹5.5L+ deductions excluding HRA. Combined with 87A rebate, taxable income up to ₹12-13L can result in zero tax under old regime with full optimisation.
इस टूल के बारे में
The India Salary Calculator converts your annual Cost to Company (CTC) into actual monthly take-home pay for FY 2025-26 (AY 2026-27). It implements the revised income-tax slabs from the Finance Act 2025, the Code on Wages, 2019 (notified 21 November 2025 with the 50% wage rule), and the current Provident Fund and gratuity provisions.
Most Indian salaried employees see only the CTC number on their offer letter - a misleading figure that bundles employer PF, gratuity, group insurance, ESPP, performance bonus, and statutory contributions. Your actual monthly bank credit is typically 65-78% of CTC depending on income bracket and whether you opt for the Old or New regime. This calculator strips CTC down to its parts, applies the correct tax math under both regimes, and tells you the precise rupee amount that hits your account each month.
It compares the Old Regime (lower standard deduction of ₹50,000 but allows HRA exemption, 80C, 80D, home loan interest, NPS deductions) against the New Regime (no exemptions except ₹75,000 standard deduction and 80CCD(2), but lower slabs and a generous ₹12 Lakh §87A rebate), then highlights which one saves more tax for your specific deductions profile.
Unlike calculators on ClearTax or ETMoney, this tool runs entirely in your browser - your salary data never touches any server. There's no email gate to a chartered accountant.
Last updated: FY 2025-26 (Finance Act 2025)
यह कैसे काम करता है
- Enter your Annual CTC - the headline number from your offer letter. The calculator auto-fills Basic at 50% per the Code on Wages, 2019 (you can override).
- Adjust HRA, LTA, and Bonus from your specific salary structure. Special Allowance auto-balances so the components sum to your CTC exactly.
- Pick a PF Mode: Capped (₹1,800/mo each side - the statutory minimum used by most Indian IT companies), Uncapped 12% of basic, or Manual if your company has a custom PF arrangement.
- Toggle Gratuity and EPF Admin charges only if your offer letter explicitly lists them in CTC. Many companies don't.
- Enter rent paid + city type - critical for HRA exemption under the Old Regime. Only Mumbai, Delhi, Kolkata, and Chennai are "metro" (50%); everywhere else (including Bengaluru, Hyderabad, Pune, Gurgaon) is "non-metro" (40%).
- Add Old-Regime deductions: 80C (PPF/ELSS/LIC/EPF up to ₹1.5L), 80D (health insurance), 80CCD(1B) (extra ₹50k for NPS), 80E (education loan interest, no cap), 24(b) (home loan interest up to ₹2L self-occupied).
The right pane updates instantly - showing the monthly take-home under whichever regime saves more, a donut chart of your CTC composition, both-regime side-by-side cards, the slab visualization showing exactly where your taxable income lands, and a line-by-line breakdown from Gross Salary to In-Hand.
सूत्र
In-Hand Salary = Gross Salary - Employee PF - Professional Tax - Income Tax
Gross Salary = Basic + HRA + Special + Bonus + LTA + 80CCD(2)
Income Tax = (Slab Tax - §87A Rebate) × (1 + Surcharge%) × 1.04 (Cess)
Gross Salary = Basic + HRA + Special + Bonus + LTA + 80CCD(2)
Income Tax = (Slab Tax - §87A Rebate) × (1 + Surcharge%) × 1.04 (Cess)
Worked Examples
Worked Example
₹15 Lakh CTC, single, no rent, no investments (most common)
A typical entry-mid-level IT employee. CTC = ₹15,00,000. Basic = ₹7,50,000 (50% rule). HRA = ₹3,75,000. PF capped at ₹1,800/mo. No gratuity. No rent (lives with parents). No 80C investments yet.
| Old Regime | New Regime | |
|---|---|---|
| Gross Salary | ₹14,78,400 | ₹14,78,400 |
| - Standard Deduction | ₹50,000 | ₹75,000 |
| - 80C (Employee PF only) | ₹21,600 | - |
| Taxable Income | ₹14,04,400 | ₹14,03,400 |
| Tax + Cess | ₹2,43,173 | ₹94,130 |
| In-Hand / year | ₹12,11,227 | ₹13,60,270 |
| In-Hand / month | ₹1,00,936 | ₹1,13,356 |
New Regime wins by ₹1,49,043/year (₹12,420/mo) because there are no deductions to claim. This is the default scenario for fresh hires and anyone living with family.
Worked Example
₹15 Lakh CTC, paying ₹3L rent in metro, ₹1.5L 80C, ₹50k 80D
A married IT professional renting in Mumbai with full 80C use and family health insurance.
| Old Regime | New Regime | |
|---|---|---|
| HRA exemption | ₹2,25,000 | - |
| + Std Ded + 80C + 80D + 80CCD(1B) | ₹2,71,600 | ₹75,000 |
| Total deductions claimed | ~₹4,96,600 | ₹75,000 |
| Tax + Cess | ₹1,03,376 | ₹94,130 |
| In-Hand / month | ₹1,12,825 | ₹1,13,356 |
Even with full 80C + 80D + HRA, the New Regime still wins by a hair (~₹500/mo). Old Regime needs deductions of ~₹5.2L+ to start winning at this CTC.
Worked Example
₹30 Lakh CTC, married homeowner, full deductions
Senior tech lead. CTC ₹30L. Pays ₹2L home loan interest, ₹1.5L 80C (PPF + ELSS), ₹50k NPS, ₹25k health insurance, lives in own house (no HRA).
Total Old-Regime deductions: ₹4.25L + ₹50k std + Employee PF (~₹22k for capped). Old Regime tax: ~₹3.86L. New Regime tax: ~₹3.51L. Difference: New saves ₹35,000/yr at this combination.
For Old to win at ₹30L CTC, deductions would need to total ~₹4.5L+ (e.g., add 24b home loan interest and 80CCD(2) employer NPS).
Worked Example
₹50 Lakh CTC - Old regime advantage with maxed deductions
Senior engineering manager. CTC ₹50L. Pays ₹2L home loan interest, ₹1.5L 80C, ₹50k NPS, ₹50k health (parents senior), ₹3L rent in non-metro, employer NPS contribution ₹2L.
Total deductions: ~₹6L+ on Old Regime. Surcharge kicks in (10%) above ₹50L taxable. Here Old Regime saves ~₹1L/year over New for those with maxed deductions and a salary structure that maximizes 80CCD(2).
विज्ञापन
Tips & Best Practices
Tip: If your CTC is below ₹12.75 Lakh, the New Regime is almost always optimal - you pay zero tax due to the §87A rebate (₹12L taxable + ₹75k std deduction).
Tip: Old vs New is a per-year decision for salaried employees - you can switch every year while filing ITR. Only business-income filers face the 'one-way switch' restriction.
Tip: Negotiate basic salary to be at least 50% - this is the legal minimum under Code on Wages, 2019. Higher basic raises PF and gratuity (more retirement corpus) but slightly lowers in-hand.
Tip: If renting in a metro, claim HRA aggressively - it's often worth ₹1-3 Lakh/year in tax savings, and you can claim against rent paid to parents (with proper agreement and PAN).
Tip: Opt for VPF (Voluntary Provident Fund) on top of EPF for tax-free 8.25% returns - much better than a ₹15,000+/mo cap restriction.
Tip: Use 80CCD(2) - employer NPS contribution. Up to 14% of basic is tax-deductible in BOTH regimes. Ask HR if your company supports this structuring.
Tip: Don't blindly pick Old regime for the deductions - run both numbers every year as your salary, rent, and investments change.
Common Mistakes to Avoid
Common mistake: Assuming CTC = take-home. The gap is typically ₹3-7 Lakh/year due to PF, taxes, professional tax, and gratuity (which you can't access for 5 years).
Common mistake: Forgetting employee PF in 80C - it counts! Don't double-claim by adding it as PPF AND including in 80C investments.
Common mistake: Treating Bengaluru/Hyderabad as 'metro' for HRA - they are not. Only Mumbai, Delhi, Kolkata, Chennai qualify for the 50% rule.
Common mistake: Picking Old regime in February for tax planning, then realizing your investments don't actually qualify (e.g., assuming any FD is 80C-eligible - only 5-year tax-saving FDs are).
Common mistake: Including employer PF in 80C - it's already a tax-free contribution; you only count employee PF (your 12% share).
Common mistake: Ignoring 80CCD(2) - one of the few deductions allowed in the New Regime. Employer NPS contribution up to 14% of basic is fully deductible.
Glossary
- CTC
- Cost to Company - everything the employer spends on you including base, variable, employer PF, gratuity, insurance, ESPP.
- Gross Salary
- Sum of taxable salary components: basic + allowances + bonuses. Excludes employer PF and gratuity.
- In-Hand Salary
- Net amount that credits to your bank account each month after PF, professional tax, and income tax deductions.
- Basic Salary
- Foundational pay component. PF, gratuity, and most retirement contributions are computed on basic. Per Code on Wages 2019, must be ≥50% of CTC.
- HRA
- House Rent Allowance - tax-exempt under Section 10(13A)[1] if you actually pay rent. Exemption = min(actual HRA, 50% basic for metro / 40% non-metro, rent - 10% basic).
- EPF
- Employees' Provident Fund. Both employee and employer contribute 12% of basic. Currently earns 8.25% interest. Withdrawal tax-free after 5 years of service.
- Gratuity
- Lump sum at exit per Payment of Gratuity Act 1972. 4.81% of basic accrues yearly. Eligible after 5 years of service. ₹20L tax-exempt under Section 10(10).
- §87A Rebate
- Tax credit reducing your tax liability to zero up to a threshold income. New Regime: full rebate up to ₹12L taxable income. Old Regime: ₹12,500 up to ₹5L taxable.
- Surcharge
- Additional tax on income tax for high earners. 10% (₹50L-1Cr), 15% (1-2Cr), 25% (2-5Cr), 37% above ₹5Cr Old / 25% capped New.
- Cess
- Health & Education Cess of 4% applied on (income tax + surcharge). Funds national education and healthcare missions.
- Standard Deduction
- Flat deduction for salaried employees under Section 16(ia). FY 2025-26: ₹50,000 Old Regime, ₹75,000 New Regime.
- TDS
- Tax Deducted at Source. Your employer estimates annual tax and deducts 1/12th each month per Section 192.
अक्सर पूछे जाने वाले प्रश्न
What is the difference between CTC and हाथ में आने वाला वेतन?
CTC includes everything your employer spends on you - basic, allowances, employer PF, gratuity, insurance. In-hand is what credits to your bank account after employee PF, professional tax, and income tax are deducted. The gap is typically 22-35% of CTC depending on tax bracket.
Should I choose Old or New कर व्यवस्था in 2025-26?
If your total deductions (80C + 80D + HRA exemption + home loan interest + 80CCD + standard) exceed about ₹4.25-4.75 Lakh, the Old Regime usually wins. Otherwise the New Regime is better, especially below ₹12.75L gross where you pay zero tax thanks to the §87A rebate. Use the calculator's both-regime comparison to be sure.
नया लेबर कोड मेरे वेतन को कैसे प्रभावित करता है?
Code on Wages, 2019 (21 नवंबर 2025 को अधिसूचित) के तहत 'वेतन' (मूल + डीए + रिटेनिंग भत्ता) कुल पारिश्रमिक का कम से कम 50% होना चाहिए। इससे आपका पीएफ और ग्रेच्युटी योगदान थोड़ा बढ़ता है, रिटायरमेंट कोष बढ़ता है लेकिन हाथ में आने वाले वेतन में ₹500-2,000/महीना की कमी हो सकती है।
क्या ग्रेच्युटी सीटीसी का हिस्सा है?
यह कंपनी पर निर्भर करता है। कानूनी रूप से ग्रेच्युटी (मूल वेतन का 4.81%) केवल 5 साल की सेवा के बाद दी जाती है। कई कंपनियाँ पारदर्शिता के लिए इसे सीटीसी में दिखाती हैं; कुछ नहीं दिखातीं। कैलकुलेटर में एक टॉगल है - अगर आपकी स्लिप में ग्रेच्युटी नहीं है तो उसे बंद कर दें।
मेरा पीएफ योगदान सिर्फ ₹1,800 क्यों है?
अधिकांश भारतीय कंपनियाँ पीएफ को वैधानिक वेतन ₹15,000/महीना पर सीमित करती हैं, इसलिए कर्मचारी और नियोक्ता दोनों से 12% × ₹15,000 = ₹1,800/महीना। आप पूरे मूल वेतन पर अधिक योगदान करने के लिए वीपीएफ (स्वैच्छिक पीएफ) चुन सकते हैं।
Can I claim HRA if I live with parents?
Yes - if you genuinely pay rent to your parent (who must be the property owner) and they declare it as rental income in their ITR. You'll need rent receipts, ideally a rent agreement, and the landlord's PAN if rent exceeds ₹1L/year. Expect HR to ask for proof in February.
What is the 87A छूट marginal relief?
If your taxable income just exceeds ₹12L (New Regime), tax payable cannot exceed (income - ₹12L). Example: at ₹12.10L taxable, slab tax is ₹61,500 but marginal relief caps tax at ₹10,000. Without relief, a ₹1 increase past ₹12L would trigger ₹61k+ tax - the relief makes the boundary smooth.
Does professional tax apply everywhere?
No. Professional tax is state-levied. Major states with PT: Maharashtra, Karnataka, Tamil Nadu, West Bengal, Telangana, Gujarat (₹150-200/mo, max ₹2,500/yr). Delhi, UP, Haryana, Rajasthan have no PT. Set the value based on your state.
How is special allowance calculated?
Special Allowance is the residual: CTC - (Basic + HRA + LTA + Bonus + Employer PF + Gratuity + 80CCD(2)). It's 100% taxable. Companies use it as a flexible bucket that doesn't trigger statutory contributions. The calculator computes it automatically when you adjust other components.
Are bonuses taxed differently?
No - performance and joining bonuses are taxed as regular salary at slab rates in the year of receipt. They get added to your annual gross. There's no separate flat rate. Plan ahead: a large March bonus can push you into the next slab.
What about ESPP and आरएसयूs in CTC?
RSUs/ESOPs grants are typically NOT in CTC unless the company explicitly includes the annual vesting value. They're taxed as perquisites at vesting (added to salary) and capital gains at sale. The calculator focuses on cash compensation - add the vesting value separately if needed.
Why do I see different हाथ में आने वाला figures on different calculators?
Common reasons: (1) some default rent paid as ~HRA giving fake exemption; (2) some default ₹1.5L 80C invested; (3) some include/exclude gratuity; (4) some assume uncapped PF. This calculator shows zeros by default for transparency - enter your actual numbers.
How accurate is this for my actual payslip?
If you input the same basic, HRA, special allowance, and PF setup as your offer letter, the calculator matches your payslip's gross to the rupee. The difference (if any) is in: (a) variable bonuses paid in different months, (b) state-specific PT, (c) ad-hoc reimbursements, (d) employer's TDS calculation timing - typically employers true-up in March.
विज्ञापन
टेक-होम सैलरी वास्तव में कैसे कैलकुलेट होती है
"सैलरी" का मतलब चार अलग-अलग नंबर हो सकता है। यह समझना जरूरी है कि आप कौन सा नंबर देख रहे हैं:
| शब्द | मतलब | क्यों जरूरी है |
|---|---|---|
| CTC (कॉस्ट टू कंपनी) | कंपनी आप पर कुल कितना खर्च करती है: सैलरी + PF + ग्रेच्युटी + बीमा + बोनस | ऑफर लेटर में यह नंबर होता है, लेकिन यह कभी आपके अकाउंट में नहीं आता |
| ग्रॉस सैलरी | CTC माइनस एम्प्लॉयर PF, ग्रेच्युटी, बीमा | TDS और इनकम टैक्स इसी पर लगता है |
| नेट सैलरी / इन-हैंड | ग्रॉस माइनस TDS, PF (एम्प्लॉयी शेयर), प्रोफेशनल टैक्स | यही रकम आपके बैंक अकाउंट में आती है |
कटौतियों का क्रम
- EPF (एम्प्लॉयी प्रोविडेंट फंड): बेसिक सैलरी का 12% कर्मचारी + 12% नियोक्ता। टैक्सेबल इनकम कम करता है।
- प्रोफेशनल टैक्स: राज्य सरकार द्वारा, ज्यादातर ₹200/महीना (अधिकतम ₹2,500/वर्ष)।
- TDS (टैक्स डिडक्शन एट सोर्स): नियोक्ता हर महीने आपकी सैलरी से इनकम टैक्स काटता है।
- सेक्शन 80C छूट: PPF, ELSS, LIC, ट्यूशन फीस पर ₹1.5 लाख तक की छूट (पुरानी रिजीम)।
- HRA छूट: किराए पर रहने वालों को HRA पर टैक्स छूट मिलती है (शहर और किराए के अनुसार)।
उदाहरण: ₹12 लाख CTC पर नेट सैलरी
| मद | वार्षिक | मासिक |
|---|---|---|
| CTC | ₹12,00,000 | ₹1,00,000 |
| EPF (कर्मचारी 12%) | ₹21,600 | ₹1,800 |
| TDS (नई रिजीम) | ₹83,200 | ₹6,933 |
| प्रोफेशनल टैक्स | ₹2,400 | ₹200 |
| इन-हैंड सैलरी | ₹8,92,800 | ₹74,400 |
टैक्स बचाने के तरीके
- सेक्शन 80C: PPF, ELSS, सुकन्या समृद्धि, LIC, ट्यूशन फीस पर ₹1.5 लाख तक की छूट।
- सेक्शन 80D: मेडिकल इंश्योरेंस प्रीमियम पर ₹25,000 (सीनियर सिटीजन के लिए ₹50,000) की छूट।
- HRA छूट: मेट्रो शहरों में बेसिक का 50%, नॉन-मेट्रो में 40%।
- NPS (सेक्शन 80CCD): 80C की ₹1.5 लाख के अलावा अतिरिक्त ₹50,000 की छूट।
- होम लोन (सेक्शन 24): ब्याज पर ₹2 लाख तक की छूट (सेल्फ-ऑक्यूपाइड प्रॉपर्टी)।
अक्सर पूछे जाने वाले प्रश्न
पुरानी रिजीम या नई रिजीम, कौन सी बेहतर है?
अगर आपके पास HRA, 80C, 80D जैसी छूट नहीं है, तो नई रिजीम बेहतर है। अगर ₹4-5 लाख से ज्यादा की छूट क्लेम कर सकते हैं, तो पुरानी रिजीम फायदेमंद है।
CTC और इन-हैंड में इतना फर्क क्यों है?
CTC में एम्प्लॉयर PF, ग्रेच्युटी, बीमा, बोनस शामिल होता है जो आपको सीधे नहीं मिलता। असल में इन-हैंड CTC का 65-75% ही होता है।
सैलरी बढ़ने पर टैक्स कितना बढ़ेगा?
यह आपके मार्जिनल टैक्स रेट पर निर्भर करता है। ₹10,00,000 से ₹12,00,000 की बढ़ोतरी पर नई रिजीम में 15% टैक्स लगेगा, यानी ₹30,000 अतिरिक्त टैक्स।