Calculate your real monthly in-hand salary.
Convert CTC into estimated monthly take-home after income tax, PF, professional tax, deductions, and tax regime choice.
Estimated Monthly In-Hand
Enter your CTC to see your verdict.
Add your annual CTC and optional deductions. PayVerdict will compare regimes locally in your browser without storing your salary data.
FAQ
How is in-hand salary calculated?
PayVerdict estimates annual take-home by subtracting estimated income tax, employee PF, and professional tax from annual CTC, then dividing by 12.
Does the calculator compare old and new tax regimes?
Yes. The same salary inputs are evaluated under both regimes so you can see the estimated annual tax difference.
Is this calculator exact?
No. It is an educational estimate. Employer salary structure, exemptions, state rules, and personal income details can change the final number.
Assumptions and disclaimer
- Last updated for India FY 2025-26 tax assumptions.
- India FY 2025-26, salaried individual, estimate only.
- Annual bonus is treated as part of CTC for v1 breakdown purposes.
- Old regime considers the entered deduction amount. New regime only applies standard deduction in this estimate.
- Surcharge is estimated above applicable high-income brackets, with marginal relief and 4% health and education cess.
- Salary data stays in your browser and is not stored or shared.
PayVerdict provides estimates for educational purposes only. Actual tax liability and take-home salary may vary based on employer structure, deductions, exemptions, state rules, special income, and future legal changes. Please consult a qualified tax professional before making financial decisions.