Ever wondered why your take-home salary is less than your CTC? Our calculator cuts through the complexity to show exactly where your money goes - from taxes to PF deductions. Updated for the latest 2025-26 financial year with New Tax Regime calculations.
Unlike other calculators, we factor in real-world components like HRA exemptions (based on your rent), NPS benefits, and professional tax variations. Get accurate results whether you're in Mumbai paying ₹30k rent or in Bangalore with ESI deductions.
Pro Tip: The New Regime offers automatic ₹75,000 standard deduction. If your CTC is under ₹7.5L, you might pay zero tax! Our calculator helps you discover such money-saving insights instantly.
Universal Salary Calculator 2025-26
Accurate take-home pay calculations under New Tax Regime
Salary Distribution
Salary Components
Tax Calculation (New Regime 2025-26)
Smart Salary Tips
New Regime Benefits: Standard deduction of ₹75,000 is automatically applied
Salary ≤ ₹7.5L? You get full tax rebate (zero tax)
NPS contributions get additional ₹50,000 deduction under 80CCD(1B)
Metro employees get higher HRA exemption benefits
Salary Calculation FAQs
Quick answers to common salary-related questions
Your Cost to Company (CTC) includes many components that never reach your bank account: Employer PF contribution (3.67%), income tax, employee PF (12% of basic), professional tax, and other deductions. Typically, take-home is 65-75% of CTC for most employees.
For 2025-26, New Regime is better if: 1) Your CTC is under ₹7.5L (zero tax after rebate), 2) You don't have home loan/HRA claims, or 3) Your total deductions (without 80C) are under ₹1.5L. Salaries above ₹15L often benefit more from Old Regime.
HRA exemption is the lowest of these three: 1) Actual HRA received, 2) 50% of basic (metro) or 40% (non-metro), or 3) Your annual rent minus 10% of basic salary. You must submit rent receipts to claim this.
Employee PF is 12% of basic salary, but calculated only on first ₹15,000 of basic. So maximum PF deduction is ₹1,800/month (₹21,600/year). Employer contributes additional 3.67% (₹550/month) which is part of your CTC but not take-home.
NPS gives two benefits: 1) 10%/14% of basic salary deduction under 80CCD(1), and 2) Additional ₹50,000 deduction under 80CCD(1B). For someone with ₹12L CTC, this can save ₹15,600-₹21,840 in taxes annually.
