💼 Salary & Payroll
Salary Calculators India 2025
From CTC to in-hand salary, HRA exemption, EPF corpus at retirement, and gratuity payable — all updated for FY 2025-26 with Old and New Regime support.
4 Salary Tools
FY 2025-26 Updated
Old + New Regime
All Salary Tools
Understand your complete pay package
Every tool built for Indian payroll rules — PF, PT, HRA, gratuity, all included.
PDF ₹99
Take-Home Salary Calculator
Monthly in-hand salary from annual CTC. PF, professional tax (state-wise), income tax under Old vs New Regime. Side-by-side regime comparison — see which puts more in your pocket.
PDF ₹99
HRA Exemption Calculator
HRA exemption under Section 10(13A) — least of three rule with all three components shown. Separate Basic and DA fields. Tax saved in rupees based on your slab.
PDF ₹99
EPF / PF Calculator
EPF corpus at retirement with year-by-year growth table. EPS pension estimate, employer split (EPF 3.67% + EPS 8.33%), salary increment assumption. Current rate 8.25%.
Free
Gratuity Calculator
Gratuity payable under Payment of Gratuity Act 1972. Formula: (Basic+DA) × 15/26 × Years. Tax-free up to ₹20 lakh. Shows taxable portion if any.
How Take-Home Salary Is Calculated — Example
₹12,00,000 CTC — New Tax Regime — Maharashtra
Annual CTC₹12,00,000
Basic (50% of CTC)₹6,00,000
HRA (40% of Basic)₹2,40,000
Special Allowance₹3,60,000
Employee PF (12% of Basic)−₹72,000/yr
Income Tax (New Regime)−₹52,000/yr
Professional Tax (Maharashtra)−₹2,400/yr
Annual Take-Home₹10,73,600
Monthly In-Hand₹89,467
Professional Tax by State
| State | Annual Professional Tax | Note |
|---|---|---|
| Maharashtra | ₹2,400 | ₹200/month except Feb (₹300) |
| Karnataka | ₹2,400 | ₹200/month |
| West Bengal | ₹2,400 | Slab-based, max ₹2,400 |
| Tamil Nadu | ₹2,400 | Half-yearly payment |
| Telangana | ₹2,400 | Monthly deduction |
| Gujarat | ₹2,400 | Monthly deduction |
| Delhi | ₹0 | No Professional Tax in Delhi |
| Uttar Pradesh | ₹0 | No Professional Tax |
Frequently Asked Questions — Salary
Take-Home = Gross Salary − Employee PF − Income Tax − Professional Tax. Gross Salary = CTC − Employer PF contribution. Employee PF = 12% of Basic Salary (capped at ₹1,800/month if Basic ≤ ₹15,000). Income tax depends on your regime choice and taxable income after deductions.
It depends on your deductions. New Regime gives higher in-hand if your total Old Regime deductions (80C + HRA + 80D + home loan interest etc.) are below approximately ₹3.75L for a ₹15L income. If you have a home loan, substantial HRA exemption, or max 80C investments, Old Regime often wins. Use our Take-Home Calculator to compare both in seconds.
No. HRA exemption under Section 10(13A) is only available under the Old Tax Regime. Under the New Tax Regime, the full HRA received from your employer is taxable income. This is often the single biggest reason salaried employees in metro cities paying high rent prefer the Old Regime.
EPF corpus depends on your current Basic Salary, years to retirement, annual salary increment, and the EPF interest rate (currently 8.25% p.a.). Example: A 28-year-old with ₹30,000 Basic Salary, 8% annual increment retiring at 58 will accumulate approximately ₹1.8-2.2 crore in EPF. Use our EPF Calculator for your exact projection with year-by-year table.