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Income Tax
Income Tax
Salary Calculator
Calculate your monthly take-home salary from CTC with income tax under Old and New Regime for FY 2025-26 — including PF, professional tax, bonus and full employer cost breakdown.
Tax Regime (FY 2025-26)
Bonus Type
₹
₹1.00 L₹1.00 Cr
%
0%100%
₹
₹0₹500
₹
₹0₹21.6K
₹88.0K
Monthly Take-Home
₹10.56 L
Annual Take-Home
0.0%
Effective Tax Rate
₹0
Annual Income Tax
Salary Composition (Annual)
Take-Home₹10,56,000Deductions₹24,000
Detailed Salary Breakdown
| Particulars | Monthly | Annual |
|---|---|---|
| CTC (Cost to Company) | ₹1,00,000 | ₹12,00,000 |
| └Bonus Component | ₹10,000 | ₹1,20,000 |
| Gross Salary (ex-bonus) | ₹90,000 | ₹10,80,000 |
| Deductions | ||
| └Employee PF (12% of Basic) | ₹1,800 | ₹21,600 |
| └Professional Tax | ₹200 | ₹2,400 |
| └Income Tax (New Regime) | ₹0 | ₹0 |
| Total Deductions | ₹2,000 | ₹24,000 |
| Net Take-Home Salary | ₹88,000 | ₹10,56,000 |
Employer Cost Breakdown (CTC Components)
| Gross Salary (your salary) | ₹90,000 | ₹10,80,000 |
| Employer PF (~12% of basic) | ₹1,800 | ₹21,600 |
| Gratuity (~4.81% of CTC) | ₹4,810 | ₹57,720 |
| Bonus | ₹10,000 | ₹1,20,000 |
| Total CTC | ₹1,00,000 | ₹12,00,000 |
Taxable income: ₹9,83,400 · Standard deduction: ₹75,000 · Regime: New (FY 2025-26)
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Employee PF
Employee contributes 12% of basic salary to PF. Employer matches with 8.33% to EPS + 3.67% to EPF. Both are part of CTC.
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Professional Tax
PT is a state-level tax on employment income. Maximum is ₹2,500/year (₹200-250/month depending on state). Deductible under Section 16.
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CTC vs In-Hand
CTC includes employer costs (PF, gratuity) that don't reach your account. In-hand = CTC − Employer PF − Gratuity − Employee PF − PT − Income Tax.