CTC to In-Hand · FY 2025–26

Salary Calculator

See your complete CTC breakdown — gross salary, EPF, income tax, and exact monthly take-home under both tax regimes.

Your Package

Annual CTC

₹

≈ ₹1,00,000 / month

Tax Regime

Standard deduction ₹75,000. No 80C/HRA.

HRA Received (Monthly)

₹

Employee EPF %

Professional Tax (Monthly)

₹

Monthly In-Hand

₹39,183

39.2% of CTC

Annual In-Hand

₹4,70,200

Deductions: ₹7,29,800

CTC Composition

Basic Salary (40% of CTC)₹4,80,000

HRA₹1,80,000

Special Allowances₹4,82,400

Employer EPF (12% of Basic)₹57,600

Gratuity₹2,76,923

Annual Deductions

Employee EPF

₹6,91,200

Professional Tax

₹2,400

Income Tax + Cess

₹36,200

Total₹7,29,800

Tax Computation

Gross Income₹12,00,000

Standard Deduction−₹75,000

Taxable Income₹8,48,077

Income Tax₹34,808

Health & Ed. Cess₹1,392

Total Tax₹36,200

Monthly Pay Slip Preview

Earnings

Basic₹40,000

HRA₹15,000

Special Allowance₹40,200

Gross Monthly₹1,00,000

Deductions

EPF−₹57,600

Professional Tax−₹200

TDS (Income Tax)−₹3,017

Net Take-Home₹39,183