India in-hand salary calculator
Compare old vs new regime and see your monthly take-home instantly.
Built for FY 2024-25 slabs with standard deduction, PF, professional tax assumptions, and smart regime recommendation. Export a PDF or CSV to share with HR or your CA.
Monthly take-home
₹91,131
Effective tax rate
6.87%
PF deducted
₹1,800/mo
Inputs
Enter your salary details
FY 2024-25 slabs
Basic assumed at 50% of CTC. PF at 12% on ₹15k wage cap. PT: ₹200 metro / ₹150 non-metro (monthly).
Recommendation
New regime edges ahead by ₹6,219/month
You keep ₹10,93,570 of ₹12,00,000 annual base.
Old regime
₹84,912monthly
Yearly take-home: ₹10,18,939
Total tax
₹1,57,061
Effective rate
13.09%
Base tax
₹1,51,020
Cess + surcharge
₹6,041
New regime
₹91,131monthly
Yearly take-home: ₹10,93,570
Total tax
₹82,430
Effective rate
6.87%
Base tax
₹79,260
Cess + surcharge
₹3,170
Breakdown
Monthly in-hand comparison
| Item | Old regime | New regime |
|---|---|---|
| Gross (monthly) | ₹1,00,000 | ₹1,00,000 |
| PF employee (monthly) | ₹1,800 | ₹1,800 |
| Professional tax (monthly) | ₹200 | ₹200 |
| Income tax (monthly) | ₹13,088 | ₹6,869 |
| Take-home (monthly) | ₹84,912 | ₹91,131 |
Basic + HRA
₹50,000 + ₹25,000 (monthly)
Special allowance
₹25,000 monthly
PF (employer visibility)
₹21,600 yearly
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FAQ
Assumptions & quick answers
Which salary components did you assume?+
Basic is 50% of CTC, HRA is 50% (metro) or 40% (non-metro) of basic, and the balance is special allowance.
How do you treat PF and professional tax?+
PF is 12% of basic capped to ₹15k wage for both employee and employer. Only the employee portion reduces in-hand salary; employer PF is shown for visibility. Professional tax is ₹200/month for metro and ₹150/month for non-metro in this model.
Which deductions are applied?+
We include the ₹50,000 standard deduction and the employee PF contribution. You can add more under 'Other deductions' for 80C/80D investments.
Can I rely on this for filing?+
Use this as a planning aid. Actual liability may differ based on perquisites, bonuses, rent receipts, exemptions, surcharge caps, and employer policies.
Disclaimer: This tool is for estimation and education only. Tax law and employer policies can change; consult a tax professional for final filings.