💼 CTC to Take-Home Calculator

Enter your CTC → Get exact in-hand salary + optimized structure + Old vs New regime winner

✅ FY 2025-26 💡 Salary Optimizer ⚡ Instant Results 🔒 No Data Stored

💼 Your Details

Enter your total annual CTC in ₹
Enter 0 if you don't pay rent / live in own house
₹1,00,000
PPF, ELSS, LIC, EPF, etc. — Max ₹1.5L allowed
Section 24(b) — Max ₹2L deduction
Most companies cap PF at the ₹15,000 wage ceiling
Deductible in BOTH regimes — biggest New-Regime tax saver

📊 Your Salary Breakdown

Monthly In-Hand Salary
₹0
Annual: ₹0
Old vs New Regime

Old Regime

₹0

New Regime

₹0
Full Salary Breakdown
ComponentAnnualMonthly

🏗️ Optimized Salary Structure

Recommended breakup of your CTC to maximize take-home pay:

💡 Pro Tip: Ask your HR to restructure your salary with higher HRA and LTA components — this alone can save ₹50,000–₹1,50,000/year in tax without any extra investment!

Talk to a KyaTax CA for free →

📚 How It Works

This calculator breaks down your CTC into individual salary components and calculates your exact monthly in-hand salary after all deductions.

What's included:

  • Basic Pay, HRA, LTA, Special Allowance
  • Employee PF (12% of Basic)
  • Professional Tax (state-wise)
  • Income Tax (Old & New Regime)
  • Standard Deduction (₹75,000 — New FY25-26)
  • Section 80C, 80D, 24(b) deductions

New Regime 2025-26 Slabs:

  • Up to ₹4L — Nil
  • ₹4L – ₹8L — 5%
  • ₹8L – ₹12L — 10%
  • ₹12L – ₹16L — 15%
  • ₹16L – ₹20L — 20%
  • ₹20L – ₹24L — 25%
  • Above ₹24L — 30%
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