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Calculators

Salary / CTC calculator (in-hand pay)

Break an annual CTC into basic, HRA and allowances and see monthly in-hand pay under the old and new tax regimes.

  1. 1Fill in the values
  2. 2Click Run
  3. 3See results instantly

Limits

  • Rates as of 2026-10-22; check the Income Tax Department's current rules.
  • Resident individuals only. Slabs, the 87A rebate, surcharge (with marginal relief) and 4% cess are encoded; capital gains and other special-rate income are not modelled, and the 87A rebate does not apply to them.
  • Amounts are rounded to the nearest rupee. The tax department rounds taxable income and tax to the nearest ₹10 when it assesses, so a payslip or return can differ from this by up to ₹10 per figure. An estimate for planning, not tax advice or a filed return.
  • LTA, perquisites, arrears relief and the family-pension deduction are not modelled. Employer PF, NPS and superannuation above ₹7,50,000 a year is a taxable perquisite: shown as a warning only.
  • The 50% HRA limit applies to Delhi, Mumbai, Kolkata, Chennai, Bengaluru, Hyderabad, Pune, Ahmedabad.
  • Special allowance is the balancing figure. If basic, HRA, PF, gratuity, variable pay and NPS exceed the CTC you get a warning. TDS is shown as annual tax divided by 12; employers may spread it differently.

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  • “take home salary for 12 LPA”
  • “in hand salary on 18 lpa”
  • “ctc 25 lakh take-home”

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