India In-Hand Salary Calculator
Calculate your actual take-home salary from CTC. Supports New & Old Tax Regimes for FY 2024-25 & 2025-26.
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How to Calculate Your In-Hand Salary
Enter your CTC below and customize deductions to see your actual take-home pay
What's your annual CTC?
CTC is the total salary mentioned in your offer letter.
Quick select
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Tell us about your tax profile
This helps us calculate your tax accurately.
New regime has lower rates but fewer deductions.
How is your salary structured?
Most companies use a standard structure. Customize only if you know your exact breakdown.
Standard breakdown:
- • Basic: 40% of CTC
- • HRA: 50% of Basic
- • Special Allowance: Remaining
Do you have variable pay?
Performance bonus or variable component that depends on targets.
Expected: ₹0/year
Companies show 100% bonus in CTC, but actual payout depends on performance.
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Provident Fund & Retirement
This money is saved for your future but not paid monthly.
Employer contributions (included in CTC):
Benefits included in CTC
Insurance and other benefits your company provides.
These are part of your CTC but don't affect your monthly in-hand salary.
Your take-home salary
Enter your CTC above to see your salary breakdown.
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