In-Hand Salary Calculator (FY 2025-26)
CTC to monthly take-home — after EPF, income tax (new regime) and professional tax.
₹
30%most structures: 40–50%60%
Employer's PF included in CTC?
₹200 in most states; 0 in Delhi, UP and a few others
₹
Monthly in-hand
₹90,200
₹10.82L per year · 90% of your CTC reaches your account
Where the rest goes (per year)
Gross salary (CTC − employer PF)₹11.42L
Your EPF contribution (12% of basic)−₹57,600
Income tax — new regime, incl. cess−₹0
Professional tax−₹2,400
In-hand₹10.82L
Your EPF isn't lost — ₹1.15L/yr (yours + employer's) builds your retirement corpus.
Assumptions
- New tax regime, FY 2025-26 (₹75,000 standard deduction, 87A rebate). Using old-regime deductions? Compare with the Tax Regime Calculator.
- EPF at 12% of basic for you and your employer.
- Not modelled: gratuity accrual, ESI, NPS, variable pay, perks, surcharge above ₹50L.
Know your in-hand. Now see where it takes you →
Muktify turns your salary into a Freedom Day — the date work becomes optional.
Calculate my Freedom Score →Educational estimate on your inputs — actual take-home depends on your employer's salary structure.
Not tax or investment advice. Not SEBI-registered.