Salary Calculator
Calculate your take-home pay from CTC. Compare old vs new tax regime with EPF, HRA, and all deductions.
💰Salary Details
Salary Breakdown
Regime Comparison
Instantly compare Old vs New tax regime to see which saves more.
Full Breakdown
See detailed split of basic, HRA, EPF, tax, and take-home.
India Specific
Includes EPF, HRA exemption, 80C, 80D, professional tax.
How to Use
Choose Regime
Select New or Old tax regime.
Enter CTC
Set your annual CTC (Cost to Company).
Add Deductions
For old regime: enter rent, 80C, 80D, NPS.
View Take Home
See monthly and annual take-home pay.
The Formula
Take Home = CTC - EPF - Tax - Prof. TaxFrequently Asked Questions
Old regime vs New regime — which is better?
New regime is better if your deductions are less than ₹3-4 lakhs. Old regime is better if you have high deductions (HRA + 80C + 80D + NPS). Use this calculator to compare.
What is CTC?
CTC (Cost to Company) is the total amount your employer spends on you, including basic salary, HRA, EPF employer contribution, bonuses, and other allowances.
How is take-home calculated?
Take-home = CTC minus EPF (employee share) minus income tax minus professional tax. Old regime allows additional deductions like HRA, 80C, 80D.
What is the new tax regime for 2025-26?
New regime: No tax up to ₹4L, then 5% (4-8L), 10% (8-12L), 15% (12-16L), 20% (16-20L), 25% (20-24L), 30% (above 24L). No rebate if income exceeds ₹12L.
Is EPF part of take-home?
EPF employee contribution is deducted from your salary, so it reduces take-home. However, it's your money in your PF account, earning 8.15% interest.