Free Tool · FY 2025-26

Name: Salary Calculator
Brand: Superworks
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Free Salary Calculator For India 2026

Enter your annual CTC and tax regime — we’ll break it down into Basic, HRA, Special, statutory deductions and your exact monthly take-home in seconds.

India · FY 2025-26 slabs New & Old regime Live take-home

Salary Calculator

FY 2025-26

CTC & tax regime

Annual CTC (₹)

₹

Tax regime

New Regime (FY 2025-26) Old Regime

City type (for HRA)

Metro (50% HRA) Non-metro (40% HRA)

Salary structure

Basic salary (% of CTC) — 40%

Employer PF (% of basic)

Gratuity (% of basic)

Deductions & allowances

Professional Tax (annual, ₹)

₹

80C investments (Old regime, ₹)

₹

Annual bonus / variable (₹)

₹

Results update automatically as you type

LIVE CALCULATION

73.0%

TAKE-HOME OF CTC

Monthly take-home₹73,000

Annual tax₹52,000

Annual deductions₹75,200

Annual CTC₹12,00,000

Basic (40%)₹4,80,000

HRA₹2,40,000

Special allowance₹4,21,200

Employer PF + Gratuity₹58,800

Employee PF + PT₹-23,200

Income tax (TDS)₹-52,000

Monthly take-home₹73,000

Take-home = ( CTC − Employer PF − Gratuity − Employee PF − PT − Tax ) ÷ 12 → ₹12,00,000 − deductions = ₹73,000/mo

FY 2025-26 New Regime slabs applied with ₹75K standard deduction. Numbers refresh on every keystroke.

The formula, step by step

From annual CTC on your offer letter to the rupee that hits your bank — three steps, then a worked example.

Split CTC into components

Basic is set as a % of CTC (typically 40–50%). HRA is 50% of Basic for metro cities and 40% for non-metro. The rest is Special Allowance.

Basic = CTC × basicPct | HRA = Basic × (metro ? 0.5 : 0.4)

Subtract employer contributions

Employer PF (12% of basic, capped at ₹15K basic) and gratuity (4.81% of basic) are inside your CTC but never reach you. Removing them gives Annual Gross.

grossAnnual = CTC − employerPF − gratuity

Apply Employee PF, PT & income tax

Subtract Employee PF (12% of basic, same cap), Professional Tax (₹2,400/yr), and TDS computed on the New or Old regime slabs — divided by 12 for monthly take-home.

takeHome = (grossAnnual − eePF − PT − tax) / 12

THE FULL FORMULA

Take-home = Gross − Employee PF − Professional Tax − Income Tax

CTC is what your employer commits; Gross is what they pay you; Net is what you keep. The gap between CTC and Gross is the employer’s contributions (PF + gratuity). The gap between Gross and Net is your own deductions plus tax. New Regime usually wins for salaries above ₹12L unless you have heavy 80C / HRA claims.

Basic = CTC × basicPct
HRA = Basic × cityFactor — (0.5 metro / 0.4 non-metro)
Gross = CTC − employerPF − gratuity
Tax = slab(grossAnnual − stdDed)
Net = (Gross − eePF − PT − Tax) / 12

WORKED EXAMPLE · YOUR INPUTS

CTC ₹12,00,000 → Basic ₹4,80,000 · HRA ₹2,40,000
Tax (New) = ₹52,000 · Take-home = ₹73,000/mo

Methodology & sources

This calculator follows the FY 2025-26 income tax slabs as notified in the Union Budget, the EPF Act 1952 contribution rates, and the standard Indian payroll structure documented by hinote.in and used by RazorpayX, Keka and Zoho payroll engines.

Income Tax Act, 1961

STATUTE

Primary statute defining slabs, deductions and salary income under Section 17(1).

Union Budget FY 2025-26

SLABS · REBATES

Updated New Regime slabs, ₹75K standard deduction and ₹7L 87A rebate used here.

EPF & MP Act, 1952

STATUTE · §6

12% employee + 12% employer PF on basic, capped at ₹15,000 basic for the statutory minimum.

Code on Wages, 2019

LABOUR CODE

Consolidated wage definition driving basic-pay structure across Indian payrolls.

RazorpayX & Keka Payroll

SAAS REFERENCE

Production payroll engines documenting the basic + HRA + special + statutory structure used here.

hinote.in & ClearTax

CONSULTANCY

India-specific HR consultancy and tax reference for salary structuring and TDS computation.

Reference: take-home across Indian salary bands

Sample monthly take-home for common CTC bands across regimes and cities. Use as a sanity check, not a salary benchmark.

Role band	City	Annual CTC	Basic %	Regime	Annual Tax	Monthly Net

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Free Tool · FY 2025-26

Free Salary Calculator For India 2026

CTC & tax regime

Salary structure

Deductions & allowances

The formula, step by step

Split CTC into components

Subtract employer contributions

Apply Employee PF, PT & income tax

Take-home = Gross − Employee PF − Professional Tax − Income Tax

Methodology & sources

Income Tax Act, 1961

Union Budget FY 2025-26

EPF & MP Act, 1952

Code on Wages, 2019

RazorpayX & Keka Payroll

hinote.in & ClearTax

Reference: take-home across Indian salary bands

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Stop running salary math on a calculator app

Experience a new era of workforce management with Superworks