Your CTC (Cost to Company) and your monthly take-home salary are very different numbers. CTC includes employer PF contributions, gratuity, and sometimes insurance — none of which you receive monthly. This calculator converts your annual CTC to your exact monthly in-hand salary af...
Delhi/Mum/Chennai/Kol = Metro
For HRA exemption (old regime)
12% of basic vs statutory cap
PPF / ELSS / LIC / EPF — max ₹1.5L
NEW REGIME
₹74,329
Tax: ₹0/mo
OLD REGIME
₹73,212
Tax: ₹1,117/mo
NEW REGIME
₹74,329
Tax: ₹0/mo
OLD REGIME
₹73,212
Tax: ₹1,117/mo
✓ New regime saves you ₹1,117/month
ANNUAL BREAKDOWN
Enter your annual CTC and set your salary structure: basic as % of CTC (typically 40–50%), HRA as % of basic (40% non-metro, 50% metro). The remaining amount becomes Special Allowance.
Enter your bonus (if part of CTC), city type (metro/non-metro for HRA), monthly rent paid, and professional tax (₹200/month for most states, ₹0 for TN, Kerala, etc.).
Select Old or New tax regime — or view both side-by-side. New regime standard deduction: ₹75,000. Old regime: ₹50,000 + HRA exemption + 80C deductions up to ₹1.5L.
The calculator shows your full salary structure: CTC → Gross → Taxable Income → Tax → Take-Home, with each component labelled monthly and annually.
Ananya has a ₹10,00,000 CTC (50% basic = ₹5L, HRA 50% of basic = ₹2.5L, special allowance = residual). Employer PF: ₹21,600/yr. Gratuity: ₹24,050/yr. Annual gross: ₹9,54,350. Employee PF: ₹5,000/mo. PT: ₹200/mo. New regime: taxable income ₹8,19,350 (below ₹12L → 87A rebate → zero tax). Monthly take-home: ₹74,329. Old regime (₹20k rent, metro): HRA exemption ₹1,90,000, 80C ₹1.5L → taxable ₹4.64L → tax ₹8,840 → monthly take-home ₹69,695. New regime wins for Ananya by ₹4,634/month.
FY 2025-26 / FY 2026-27 · New regime slabs: 0/5/10/15/20/25/30% · 87A rebate: full rebate if taxable ≤₹12L (new) · Standard deduction: ₹75,000 (new) / ₹50,000 (old) · Budget 2026: all slabs unchanged · For guidance only — consult a CA for exact tax planning · Last updated: 29 April 2026 · Eagle-eyed accuracy for every calculation.