Salary / In-Hand Calculator
Convert your CTC to monthly in-hand salary with India's FY 2024-25 tax slabs. Compare Old vs New Tax Regime, see EPF, HRA exemption, 80C/80D deductions, and full tax breakdown.
Salary / In-Hand Calculator
India FY 2024-25 tax slabs. Compare Old vs New regime and get your in-hand salary instantly.
Deductions (Old Regime only)
New Regime saves you more!
You save ₹11,222 in tax per year.
OLD REGIME
Monthly In-Hand
₹86,587
Tax: ₹79,352/yr
NEW REGIME
Monthly In-Hand
₹87,523
Tax: ₹68,130/yr
CTC to In-Hand Quick Reference
| Annual CTC | Monthly (Old) | Monthly (New) | Best |
|---|---|---|---|
| ₹5.00 L | ₹37,667 | ₹37,667 | ₹37,667 |
| ₹8.00 L | ₹61,467 | ₹59,704 | ₹61,467 |
| ₹10.00 L | ₹74,291 | ₹73,837 | ₹74,291 |
| ₹12.00 L | ₹86,587 | ₹87,523 | ₹87,523 |
| ₹15.00 L | ₹1,03,844 | ₹1,06,541 | ₹1,06,541 |
| ₹20.00 L | ₹1,29,991 | ₹1,34,045 | ₹1,34,045 |
| ₹25.00 L | ₹1,56,137 | ₹1,60,712 | ₹1,60,712 |
| ₹30.00 L | ₹1,82,284 | ₹1,87,378 | ₹1,87,378 |
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What is CTC and In-Hand Salary?
CTC (Cost to Company) is the total annual expense a company incurs for an employee, including basic salary, HRA, EPF employer contribution, insurance, and other benefits.
In-Hand Salary (Take-Home Pay) is what you actually receive in your bank account after deductions like EPF, income tax, and professional tax.
Old vs New Tax Regime (FY 2024-25)
- New Regime: Lower tax rates, but no deductions (80C, 80D, HRA) except ₹75,000 standard deduction
- Old Regime: Higher rates but allows deductions (80C up to ₹1.5L, 80D, HRA exemption, etc.)
- New Regime is default from FY 2023-24 onwards
- Old Regime is better for those with high deductions (home loan, insurance, rent)
- This calculator compares both and recommends the better option
Key Deductions (Old Regime)
- Section 80C: EPF, PPF, ELSS, Life Insurance, NSC — up to ₹1,50,000
- Section 80D: Health Insurance Premium — up to ₹25,000 (₹50,000 for senior citizens)
- HRA Exemption: Based on rent paid, basic salary, and city (Metro/Non-Metro)
- Standard Deduction: ₹50,000 (Old) / ₹75,000 (New)
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