Calculate your exact take-home pay after PF, tax & all deductions. Compare old vs new tax regime.
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Our In-Hand Salary Calculator computes your exact take-home pay after all statutory deductions. It compares both old and new tax regimes to help you choose the most beneficial option.
| Income Slab | Old Regime Rate | New Regime Rate |
|---|---|---|
| Up to ₹2.5L | Nil | Nil |
| ₹2.5L - ₹3L | 5% | Nil |
| ₹3L - ₹5L | 5% | 5% |
| ₹5L - ₹6L | 20% | 5% |
| ₹6L - ₹7.5L | 20% | 10% |
| ₹7.5L - ₹9L | 20% | 10% |
| ₹9L - ₹10L | 20% | 15% |
| ₹10L - ₹12L | 30% | 15% |
| ₹12L - ₹12.5L | 30% | 20% |
| ₹12.5L - ₹15L | 30% | 20% |
| Above ₹15L | 30% | 30% |
Note: New regime offers standard deduction of ₹75,000. Old regime allows deductions under 80C, 80D, HRA, LTA, home loan interest etc. The calculator automatically applies these.
Which tax regime is better for me?
Generally, if you have significant deductions (80C, 80D, HRA, home loan), the old regime is better. If you have minimal deductions, the new regime with lower tax rates and standard deduction of ₹75,000 is more beneficial. Our calculator shows exact comparison.
What is HRA exemption calculation?
HRA exemption is the minimum of: (a) Actual HRA received, (b) 50% of basic (metro) or 40% (non-metro), (c) Rent paid minus 10% of basic. Our calculator computes this automatically based on your inputs.
Is employer PF contribution part of CTC?
Yes, employer PF (typically 12% of basic) is included in CTC but not deducted from your salary. Only employee PF (12% of basic) is deducted. Our calculator handles both correctly.
What is professional tax?
Professional tax is a state-level tax on salaried individuals. It varies by state — Maharashtra charges ₹200/month, while some states like Delhi and Haryana don't charge any. Enter your state's rate.
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