Find your monthly take-home salary with our In Hand Salary Calculator for New Tax Regime 2025-26. Get a quick, accurate breakdown with PF, tax, and deductions applied. Ideal for job seekers, HRs, and salaried employees in India.
When you receive a job offer or your monthly salary slip, the figure that often matters the most is your in-hand salary—the actual amount that gets credited to your bank account after all deductions. While your CTC (Cost to Company) may look attractive on paper, your take-home pay is what truly defines your financial reality.
In-hand salary is essentially your net salary—what remains after income tax, provident fund contributions, professional tax, and other statutory deductions are subtracted from your gross earnings. This is the amount you can actually use for your monthly expenses, savings, and investments.
With the introduction and growing adoption of the New Tax Regime in India, many salaried employees are now rethinking their tax planning strategies. The New Tax Regime offers lower income tax rates but does away with most exemptions and deductions, making salary calculation slightly tricky for the average person. This has created a strong need for a simple, accurate, and updated salary estimation tool.
To help you make informed financial decisions, the In Hand Salary Calculator for New Tax Regime 2025-26 is here. This smart online tool enables you to estimate your take-home salary under the latest tax rules with just a few inputs. Whether you’re a salaried employee, a job seeker evaluating an offer, or an HR professional processing payroll, this calculator is designed to provide instant, precise results.
By using the In Hand Salary Calculator for New Tax Regime 2025-26, you can easily understand your post-tax earnings and plan your finances better—without needing complex spreadsheets or manual calculations.
Net Pay Calculator with Tax
| Components | Input |
|---|---|
| Monthly Gross ₹: | |
| State: | |
| Financial Year: |
Slide Gross to Get Desired Net Pay
Gross:₹18,000In-Hand Salary Calculator After Tax – User Guide
This interactive calculator helps you determine your monthly and yearly in-hand salary after all standard deductions like PF, ESI, Professional Tax, and Income Tax are applied. It’s especially useful for salaried employees in India who want to understand their real take-home salary.
Step-by-Step Guide to Use the Calculator
1. Enter Monthly Gross Salary (₹)
-
Input Field Name:
Monthly Gross ₹ - Action: Enter your gross monthly salary (before deductions).
-
Example: If your gross monthly salary is ₹60,000, type
60000.
2. Select Your State
-
Dropdown Label:
State - Choose your current working state from the dropdown list.
- This is essential because Professional Tax (PT) and ESI applicability vary by state.
3. Choose Financial Year
-
Dropdown Label:
Financial Year -
Choose between available financial years (e.g.,
2024-25,2025-26). - Income Tax slabs and rules vary year to year — this ensures accuracy.
4. Adjust Salary Using the Slider (Optional)
-
Feature:
Slide Gross to Get Desired In-Hand Salary - Use the slider to dynamically change your gross salary input and instantly view the effect on in-hand pay.
- Real-time updates make it easy to find the “sweet spot” for take-home pay.
What Is In-Hand Salary?
When evaluating a job offer or reviewing your payslip, one term that often causes confusion is in-hand salary. While companies advertise the CTC (Cost to Company) figure, what truly matters to you as an employee is the take-home pay—the actual amount you receive after all deductions.
CTC vs In-Hand Salary: Know the Difference
CTC includes everything the employer spends on you in a year. This often comprises your basic salary, House Rent Allowance (HRA), bonuses, gratuity, provident fund (PF) contributions, medical insurance, and even perks like food coupons or travel allowances.
However, your in-hand salary, also referred to as net salary, is what gets credited to your bank account every month. It excludes statutory deductions such as:
- Provident Fund (PF)
- Professional Tax
- Income Tax (TDS)
- Gratuity contributions (if applicable)
- Other company-specific deductions
That’s why the salary breakup in your offer letter or payslip becomes crucial—it gives you a clear picture of how your salary structure is divided and what part is actually spendable.
Key Components That Affect Your In-Hand Salary
- Basic Salary: The fixed core component; used to calculate other benefits like PF.
- House Rent Allowance (HRA): Applicable if you're living in rented accommodation.
- Special Allowance: May vary across organizations and is often fully taxable.
- Bonuses & Incentives: Performance-based, typically not part of monthly in-hand salary.
- Statutory Deductions: PF, ESI, professional tax, and income tax deductions lower the net pay.
Why You Need the Right Tool to Estimate Take-Home Pay
Since the new tax regime changes how income tax is calculated—removing many exemptions—the gap between CTC and in-hand pay can vary more than before. This is where the In Hand Salary Calculator for New Tax Regime 2025-26 becomes essential.
By entering your salary details into the In Hand Salary Calculator for New Tax Regime 2025-26, you get a realistic estimate of your take-home salary without needing to manually interpret the complicated salary structure or tax implications. It simplifies your salary breakup under the new system, helping you make smarter career and financial decisions.
Understanding the New Tax Regime (2025-26)
With Budget 2023 cementing the new income tax slabs as the default option for most taxpayers, the New Tax Regime under Section 115BAC continues to gain popularity in FY 2025-26. It promises lower tax rates with a simplified tax structure, but it also removes most deductions and exemptions available under the old regime.
New Tax Slab Rates for FY 2025-26
Here's a quick look at the updated income tax slabs under the new regime for Assessment Year 2026-27:
| Annual Income (₹) | Tax Rate |
|---|---|
| Up to ₹4,00,000 | 0% |
| ₹4,00,001 – ₹8,00,000 | 5% |
| ₹8,00,001 – ₹12,00,000 | 10% |
| ₹12,00,001 – ₹16,00,000 | 15% |
| ₹16,00,001 – ₹20,00,000 | 20% |
| ₹20,00,001 – ₹24,00,000 | 25% |
| Above ₹24,00,000 | 30% |
Unlike the old regime, the new tax regime doesn’t require taxpayers to claim deductions under 80C, 80D, HRA, or LTA—making it a no exemption regime designed for simplicity and clarity.
Old Tax Regime vs New Tax Regime: A Quick Comparison
| Feature | Old Tax Regime | New Tax Regime (2025-26) |
|---|---|---|
| Standard Deduction | Available | Available |
| Section 80C, 80D, HRA, etc. | Applicable | Not Applicable |
| Tax Rates | Higher | Lower |
| Filing Complexity | Moderate to High | Low (simplified tax) |
| Best Suited For | Those with high deductions | Those with fewer exemptions |
Under the old regime, careful tax planning is required to optimize deductions and save tax. In contrast, the new tax regime offers simplified tax calculations—especially for salaried individuals without major investments.
Why More People Are Choosing the New Regime
The rise in the standard deduction and the streamlined slab structure under the new tax regime has encouraged more salaried individuals to shift. The biggest advantage? You don’t need to invest just to save tax. This provides more flexibility in managing your income and expenses.
But the real question is: How does this impact your take-home pay?
That’s exactly where the In Hand Salary Calculator for New Tax Regime 2025-26 comes in handy. It factors in the latest Section 115BAC slab rates and instantly shows your in-hand salary after taxes—no manual calculations, no guesswork.
Whether you’re planning your monthly budget or comparing offers, using the In Hand Salary Calculator for New Tax Regime 2025-26 helps you stay financially prepared under the new system.
Why Use an In Hand Salary Calculator for New Tax Regime?
With income tax rules getting restructured and exemptions removed under the new tax regime, understanding your actual take-home pay has become more important than ever. Whether you’re accepting a new offer, reviewing a promotion, or budgeting your monthly expenses, using an In Hand Salary Calculator for New Tax Regime 2025-26 ensures complete clarity on what you’ll earn after deductions.
Real-Time, Accurate Estimation of In-Hand Salary
Unlike manual calculations that are often time-consuming and prone to error, a smart take home salary calculator provides real-time results. You simply enter your annual or monthly income, and the tool automatically factors in all relevant tax deductions, based on the new income tax slabs under Section 115BAC.
By using the In Hand Salary Calculator for New Tax Regime 2025-26, you’ll know your precise monthly salary after:
- Income tax deductions
- PF contribution (Employer & Employee)
- Professional tax (if applicable)
- Standard deduction
- Other mandatory cuts, if any
This gives you a reliable view of your net salary—the amount that will actually reach your bank account each month.
What Factors Are Considered in the Calculator?
The In Hand Salary Calculator for New Tax Regime 2025-26 is designed to be as close to real payroll as possible. It takes into account:
- Gross salary (including Basic, HRA, and Allowances)
- Standard deduction of ₹50,000
- PF contribution (12% of basic salary)
- Professional tax (varies by state)
- Any additional employer deductions (optional input)
All these elements come together to give you a realistic, post-tax picture of your monthly earnings.
Who Should Use This Salary Calculator?
This tool is especially useful for:
- Salaried employees planning their monthly budgets
- HR professionals preparing offer letters or doing payroll planning
- Job seekers comparing compensation packages under different tax regimes
- Freelancers or contract employees evaluating full-time roles
Whether you’re employed in the private sector, a government job, or switching industries, the In Hand Salary Calculator for New Tax Regime 2025-26 offers a quick and dependable way to make smarter financial decisions.
How to Calculate In-Hand Salary Under the New Tax Regime (Step-by-Step)
Understanding how your in-hand salary is calculated helps you take control of your finances. Whether you use an automated tool like the In Hand Salary Calculator for New Tax Regime 2025-26 or prefer to do it manually, here’s a simple 4-step guide that breaks it down.
Let’s calculate your monthly take-home salary under the new income tax slabs (FY 2025-26) with practical examples.
Step 1: Calculate Gross Income
Your gross income is the total annual salary offered by your employer, usually referred to as CTC (Cost to Company). This includes:
- Basic Salary
- House Rent Allowance (HRA)
- Special Allowance
- Bonus/Performance Incentives
- Other Benefits
Example: For a salary package of ₹12 LPA (₹12,00,000 per annum), monthly gross = ₹1,00,000
Step 2: Apply the New Tax Slabs (FY 2025-26)
Apply the following new tax regime slab rates (as per Section 115BAC) to your taxable income after the ₹50,000 standard deduction:
| Income Range (₹) | Tax Rate |
|---|---|
| Up to ₹4,00,000 | 0% |
| ₹4,00,001 – ₹8,00,000 | 5% |
| ₹8,00,001 – ₹12,00,000 | 10% |
| ₹12,00,001 – ₹16,00,000 | 15% |
| ₹16,00,001 – ₹20,00,000 | 20% |
| ₹20,00,001 – ₹24,00,000 | 25% |
| Above ₹24,00,000 | 30% |
Note: No exemptions like 80C, 80D, HRA, etc. are applicable in the no-exemption regime.
Step 3: Deduct PF, Professional Tax, and Other Statutory Deductions
From your gross salary, subtract:
- Provident Fund (PF) contribution (Usually 12% of Basic)
- Professional Tax (Varies by state; ₹200 per month in many states)
- Other deductions (like insurance or employer-specific contributions)
Step 4: Arrive at In-Hand Salary
Finally, subtract income tax and all other deductions from your gross monthly salary to get your in-hand salary or salary after tax.
Example Calculations
Case 1: ₹8 LPA Annual Salary
- Gross Monthly: ₹66,667
- Taxable Income: ₹7,50,000 (after standard deduction)
- Tax: ₹17,500
- PF + PT: ₹8,000 approx.
- Monthly Take-Home: ₹60,000 approx.
Case 2: ₹12 LPA Annual Salary
- Gross Monthly: ₹1,00,000
- Taxable Income: ₹11,50,000
- Tax: ₹62,500
- PF + PT: ₹9,000 approx.
- Monthly Take-Home: ₹90,000 approx.
Case 3: ₹20 LPA Annual Salary
- Gross Monthly: ₹1,66,667
- Taxable Income: ₹19,50,000
- Tax: ₹2,37,500
- PF + PT: ₹11,000 approx.
- Monthly Take-Home: ₹1,46,000 approx.
Sample Calculation Table
| CTC (LPA) | Taxable Income (₹) | Income Tax (₹) | PF + PT (₹/mo) | In-Hand Salary (₹/mo) |
|---|---|---|---|---|
| ₹8,00,000 | ₹7,50,000 | ₹17,500 | ₹8,000 | ₹60,000 |
| ₹12,00,000 | ₹11,50,000 | ₹62,500 | ₹9,000 | ₹90,000 |
| ₹20,00,000 | ₹19,50,000 | ₹2,37,500 | ₹11,000 | ₹1,46,000 |
These figures are approximations. For 100% accuracy, always use the In Hand Salary Calculator for New Tax Regime 2025-26, which auto-applies tax slabs, standard deduction, and PF/PT logic based on your input.
Sample Salary Breakups Using In Hand Salary Calculator (New Regime)
To help you better understand your expected in-hand salary under the new tax regime, we’ve prepared sample salary breakups for different salary brackets. These examples use the In Hand Salary Calculator for New Tax Regime 2025-26, which applies the latest tax slabs, standard deductions, and statutory contributions like PF and Professional Tax to give you a near-exact pay after deductions.
Assumptions:
- Standard deduction of ₹50,000 is applied
- 12% of Basic is deducted as Provident Fund (PF)
- ₹200/month is deducted as Professional Tax
- No other reimbursements or benefits included
1. ₹6 Lakh CTC – Entry Level Salary
| Component | Monthly (₹) | Annual (₹) |
|---|---|---|
| Basic Salary | 25,000 | 3,00,000 |
| HRA | 10,000 | 1,20,000 |
| Special Allowance | 15,000 | 1,80,000 |
| Gross Salary | 50,000 | 6,00,000 |
| PF Contribution (12%) | -3,000 | -36,000 |
| Professional Tax | -200 | -2,400 |
| Income Tax (New Regime) | -250 | -3,000 |
| In-Hand Salary | 46,550 | 5,58,600 |
2. ₹12 Lakh CTC – Mid-Level Job
| Component | Monthly (₹) | Annual (₹) |
|---|---|---|
| Basic Salary | 40,000 | 4,80,000 |
| HRA | 20,000 | 2,40,000 |
| Special Allowance | 40,000 | 4,80,000 |
| Gross Salary | 1,00,000 | 12,00,000 |
| PF Contribution (12%) | -4,800 | -57,600 |
| Professional Tax | -200 | -2,400 |
| Income Tax (New Regime) | -5,208 | -62,500 |
| In-Hand Salary | 89,992 | 10,79,900 |
Tip: To get your exact in hand salary for 12 LPA, use our In Hand Salary Calculator for New Tax Regime 2025-26.
3. ₹18 Lakh CTC – Experienced Professional
| Component | Monthly (₹) | Annual (₹) |
|---|---|---|
| Basic Salary | 60,000 | 7,20,000 |
| HRA | 30,000 | 3,60,000 |
| Special Allowance | 60,000 | 7,20,000 |
| Gross Salary | 1,50,000 | 18,00,000 |
| PF Contribution (12%) | -7,200 | -86,400 |
| Professional Tax | -200 | -2,400 |
| Income Tax (New Regime) | -12,708 | -1,52,500 |
| In-Hand Salary | 1,29,892 | 15,58,700 |
4. ₹24 Lakh+ CTC – Senior Level Role
| Component | Monthly (₹) | Annual (₹) |
|---|---|---|
| Basic Salary | 80,000 | 9,60,000 |
| HRA | 40,000 | 4,80,000 |
| Special Allowance | 80,000 | 9,60,000 |
| Gross Salary | 2,00,000 | 24,00,000 |
| PF Contribution (12%) | -9,600 | -1,15,200 |
| Professional Tax | -200 | -2,400 |
| Income Tax (New Regime) | -25,000 | -3,00,000 |
| In-Hand Salary | 1,65,200 | 19,82,400 |
Visual Chart: Monthly In-Hand Salary vs CTC (New Regime)
| CTC (₹ LPA) | Monthly In-Hand (₹) |
|---|---|
| ₹6 LPA | ₹46,550 |
| ₹12 LPA | ₹89,992 |
| ₹18 LPA | ₹1,29,892 |
| ₹24 LPA | ₹1,65,200 |
These numbers are indicative and can vary slightly based on employer policies. For personalized and real-time salary computation, use the In Hand Salary Calculator for New Tax Regime 2025-26—your go-to tool for estimating your net take-home pay.
In-Hand Salary Calculator New Tax Regime vs Old Tax Regime
Choosing between the old and new tax regime has become a crucial part of tax planning in India, especially for salaried individuals. To make informed financial decisions, it's important to understand how your in-hand salary varies under both regimes. This is where the In Hand Salary Calculator for New Tax Regime 2025-26 becomes highly useful—it provides a clear comparison of your take-home pay under each system.
Visual Comparison: Old vs New Tax Regime (₹12 LPA Example)
| Component | Old Regime | New Regime (2025-26) |
|---|---|---|
| Gross Annual Salary | ₹12,00,000 | ₹12,00,000 |
| Standard Deduction | ₹50,000 | ₹50,000 |
| Other Deductions (80C, 80D etc.) | ₹1,50,000 | Not Applicable |
| Taxable Income | ₹10,00,000 | ₹11,50,000 |
| Income Tax Payable | ₹1,12,500 | ₹62,500 |
| Net In-Hand Salary (Annual) | ₹10,87,500 | ₹11,37,500 |
Tip: Use the In Hand Salary Calculator for New Tax Regime 2025-26 to generate real-time salary comparisons based on your income and tax-saving investments.
Pros and Cons of the New Tax Regime
Advantages:
- Lower tax rates across income slabs
- Simplified tax filing process
- Ideal for those who don’t claim many exemptions
Disadvantages:
- No deductions allowed (like 80C, 80D, HRA, LTA)
- May result in higher tax outgo for those with major investments
Pros and Cons of the Old Tax Regime
Advantages:
- Allows deductions for HRA, LTA, 80C, 80D, education loan interest, etc.
- Better for those who actively invest or pay premiums
- Higher tax rates
- Complicated filing due to multiple exemptions and documentation
Who Should Choose Which Regime?
Choosing between the old vs new tax regime depends on your financial behavior:
| You Should Choose New Regime If… |
|---|
| You don’t have significant tax-saving investments |
| You want to simplify tax filing |
| Your employer gives allowances instead of reimbursements |
| You Should Choose Old Regime If… |
|---|
| You invest in PPF, ELSS, LIC or pay home loan EMIs |
| You receive HRA and live in rented accommodation |
| You can claim deductions under multiple sections |
Use the Right Tool for Your Situation
Whether you're a job seeker evaluating a new offer or a salaried professional doing yearly tax planning, the In Hand Salary Calculator for New Tax Regime 2025-26 can help you instantly visualize how much you’ll actually take home—under both regimes.
This tool makes it easy to choose the best regime for salaried employees in India based on income level, deductions, and lifestyle.
Benefits of Using Online Salary Calculators
In today’s fast-paced job market, knowing your exact take-home salary is essential—not just for financial planning, but also for making smarter career moves. This is where an online salary estimator becomes extremely useful. Tools like the In Hand Salary Calculator for New Tax Regime 2025-26 offer a precise and hassle-free way to estimate your net income after taxes and deductions.
Let’s explore why these tools have become indispensable for salaried professionals and HR teams alike.
1. Accuracy and Real-Time Estimations
Manual salary calculations can often lead to mistakes, especially with constantly evolving tax slabs and deduction rules. An online calculator ensures 100% accuracy, using the latest tax data such as the new tax regime slab rates for FY 2025-26.
The In Hand Salary Calculator for New Tax Regime 2025-26 takes into account components like basic pay, HRA, special allowances, PF contributions, professional tax, and more to give you a reliable estimate of your net salary.
2. Saves Time for Employees and HR Professionals
For HR professionals, preparing offer letters or salary structures for multiple candidates can be tedious. An online CTC to in-hand salary calculator simplifies this task by delivering quick and clear breakup reports.
Employees can also benefit by checking their monthly take-home salary instantly without needing expert help or manual formulas. This is especially helpful during financial year-end planning or while switching jobs.
3. Useful in Salary Negotiation
Whether you're accepting a job offer or asking for a raise, having a realistic idea of your salary after tax strengthens your negotiation power. By using the In Hand Salary Calculator for New Tax Regime 2025-26, candidates can see how much they'll actually receive in-hand, helping them ask for the right CTC to match their expectations.
It also allows for better comparison between different offers—especially if one follows the old tax regime and another uses the new one.
4. Great HR Tool for Structured Compensation Planning
For HR managers, online calculators are one of the best HR tools available. They help align CTC structures to employee needs, forecast payroll budgets, and ensure transparency during recruitment.
By integrating the In Hand Salary Calculator for New Tax Regime 2025-26, HRs can streamline their hiring process while giving candidates a clear and accurate picture of their compensation package.
In an age where accuracy and time-saving tools are valued more than ever, using a trusted salary estimator is a smart move. The In Hand Salary Calculator for New Tax Regime 2025-26 not only improves financial clarity but also supports better decision-making for both employees and employers.
Best In Hand Salary Calculator for New Tax Regime – HR Calcy
When it comes to accuracy, speed, and ease of use, HR Calcy offers one of the best tools for calculating your in-hand salary under the latest income tax rules. The In Hand Salary Calculator for New Tax Regime 2025-26 developed by HR Calcy is trusted by thousands of Indian professionals, HR managers, and job seekers.
Why HR Calcy’s Calculator Stands Out
Whether you're a salaried employee planning your monthly finances or an HR executive drafting CTC breakups, this calculator offers unmatched features that make it the go-to solution:
- 100% mobile-friendly – Seamlessly access it from your smartphone, tablet, or desktop.
- Lightning-fast performance – Get your monthly take-home pay calculation in seconds.
- Supports multiple inputs – Enter your basic salary, HRA, bonus, professional tax, and PF contributions to get accurate results.
- Based on the FY 2025-26 tax slabs – The tool is updated with the latest new tax regime rules, ensuring precise salary estimates.
Who Should Use It?
The In Hand Salary Calculator for New Tax Regime 2025-26 by HR Calcy is ideal for:
- Job seekers looking to evaluate offer letters
- Working professionals aiming to plan their budget or switch tax regimes
- HR professionals crafting salary structures and comparing CTC packages
- Finance consultants guiding clients on compensation planning
Ready to See Your Actual Salary?
Don’t leave your financial planning to guesswork. Use the trusted and updated In Hand Salary Calculator for New Tax Regime 2025-26 by HR Calcy and get instant, accurate results based on your income and deductions.
Conclusion: Take Control of Your Salary Planning Today
Understanding your in-hand salary is no longer a luxury—it’s a necessity in today’s dynamic financial environment. With changing tax structures and the rise of the new tax regime in India, having a clear breakdown of your monthly take-home pay is essential for informed decision-making.
The In Hand Salary Calculator for New Tax Regime 2025-26 offers a smart, accurate, and user-friendly way to decode your salary. Whether you're a salaried employee evaluating job offers, a finance-conscious individual planning investments, or an HR professional preparing compensation plans, this tool can be your go-to solution for precise salary computation.
By factoring in components like basic salary, HRA, PF contributions, professional tax, and the latest tax slabs, the calculator helps you make smarter tax decisions. It removes the guesswork and replaces it with data-backed clarity.
 |
| In Hand Salary Calculator for New Tax Regime |
Don’t wait—try the In Hand Salary Calculator for New Tax Regime 2025-26 on HR Calcy today and make the most of your salary in 2025-26.
Make every rupee count. Choose the right tax regime. Plan smart. Earn smarter.
FAQ
What is an in-hand salary?
In-hand salary is the amount you receive after all deductions like income tax, PF, and professional tax are subtracted from your gross salary.
How is in-hand salary different from CTC?
CTC (Cost to Company) includes all benefits and employer contributions. In-hand salary is your actual monthly payout after deductions.
What is the In Hand Salary Calculator for New Tax Regime 2025-26?
It is an online tool that helps you calculate your take-home pay under the new tax regime for FY 2025-26, considering latest slabs and deductions.
Who should use this calculator?
Salaried employees, HR professionals, job seekers, and financial planners in India who want to calculate monthly salary after tax.
Does the new tax regime allow exemptions and deductions?
No, the new tax regime removes most exemptions and deductions to offer simplified slab-based taxation with lower rates.
Is PF and professional tax deducted in the in-hand salary calculator?
Yes, the calculator considers PF contribution, professional tax, and other standard deductions to give accurate results.
Can I switch between the old and new tax regime?
Yes, salaried individuals can choose between the old and new regime each financial year before filing their ITR.
Is HR Calcy’s In Hand Salary Calculator mobile-friendly?
Yes, HR Calcy's calculator is fully responsive and works smoothly on mobile, tablet, and desktop devices.
Where can I access the best In Hand Salary Calculator?
You can access the most accurate calculator at HR Calcy—free and fast.