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In-Hand Salary Calculator

Estimate your monthly take-home from your CTC — India, FY 2025-26 (new tax regime)

This uses standard assumptions (40% Basic, employer PF matching, ₹2,400 annual professional tax) since exact structures vary by company. Treat this as a close estimate, not your exact payslip figure.

Estimated Monthly In-Hand

₹46,200

≈ ₹5,54,400 per year

Breakdown (Annual)

Fixed CTC (excl. bonus)₹6,00,000
Basic Salary (est. 40% of fixed)₹2,40,000
HRA (est.)₹96,000
Employer PF contribution− ₹21,600
Employee PF (your deduction)− ₹21,600
Professional Tax− ₹2,400
Income Tax (new regime)− ₹0
Annual In-Hand₹5,54,400

Why This Might Differ From Your Actual Payslip

  • • Basic salary percentage varies by company — some use 35%, others 50% of fixed CTC
  • • Professional tax varies by state (Maharashtra, Karnataka differ from states with no PT)
  • • Companies may include additional components — LTA, meal cards, insurance premiums — not modeled here
  • • Old tax regime calculations differ significantly if you claim deductions like 80C, HRA exemption, etc.

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