Work out your exact in-hand salary: EPF, ESI, state-wise professional tax and full income tax (87A rebate, surcharge, cess) under both regimes — then generate a PDF payslip and get it on your email.
Start from CTC or enter each component
HRA is set to 50% of basic; the rest becomes special allowance.
₹300 is deducted in February (₹200 other months), capping the year at ₹2,500.
The new regime saves you ₹97,094 this year.
Monthly in-hand
₹79,533
₹9,54,400 per year
Effective tax
0%
| Component | Monthly | Annual |
|---|---|---|
| Gross earnings | ₹81,533 | ₹9,78,400 |
| − EPF (employee) | ₹1,800 | ₹21,600 |
| − Professional tax | ₹200 | ₹2,500 |
| Net in-hand | ₹79,533 | ₹9,54,400 |
| + Employer PF & ESI | ₹1,800 | ₹21,600 |
| Total CTC | ₹83,333 | ₹10,00,000 |
Disclaimer: Estimates for information only, based on rates notified for FY 2025-26 / FY 2026-27 (new regime: ₹75,000 standard deduction, 87A rebate up to ₹12L income; old regime: ₹50,000 standard deduction). Actual PF, ESI, professional tax, LWF and TDS depend on your organisation's policies, exact state rules (LWF amounts and due months vary by state), and your complete income & investment declarations. This is not tax advice.
Enter your annual CTC (or each salary component) and the calculator builds a standard Indian salary structure: basic salary, HRA, and special allowance. It then applies every statutory deduction in the right order:
New regime (default)
| Up to ₹4,00,000 | Nil |
| ₹4,00,001 – ₹8,00,000 | 5% |
| ₹8,00,001 – ₹12,00,000 | 10% |
| ₹12,00,001 – ₹16,00,000 | 15% |
| ₹16,00,001 – ₹20,00,000 | 20% |
| ₹20,00,001 – ₹24,00,000 | 25% |
| Above ₹24,00,000 | 30% |
Standard deduction ₹75,000 · 87A rebate up to ₹12L taxable income (salary up to ₹12.75L is effectively tax-free)
Old regime
| Up to ₹2,50,000 | Nil |
| ₹2,50,001 – ₹5,00,000 | 5% |
| ₹5,00,001 – ₹10,00,000 | 20% |
| Above ₹10,00,000 | 30% |
Standard deduction ₹50,000 · 87A rebate up to ₹5L · HRA, 80C, 80D, 24(b) & other deductions allowed · higher basic exemption for senior citizens
| State | Professional tax |
|---|---|
| Maharashtra | ₹200/month above ₹10,000 gross (₹300 in February); ₹175 for ₹7,501–10,000 |
| Karnataka | ₹200/month from ₹25,000 gross |
| West Bengal | ₹110–₹200/month in slabs above ₹10,000 |
| Telangana & Andhra Pradesh | ₹150 above ₹15,000; ₹200 above ₹20,000 |
| Tamil Nadu | Half-yearly slabs up to ₹1,250 (≈ ₹208/month at higher salaries) |
| Gujarat | ₹200/month from ₹12,000 gross |
| Madhya Pradesh | ₹2,500/year above ₹3L annual (₹1,500 for ₹2.25–3L) |
| Delhi, Haryana, UP, Rajasthan | No professional tax |
Professional tax is capped at ₹2,500/year nationally and is deductible from taxable income in the old regime (section 16(iii)).
Turn this calculation into a professional PDF salary slip with your company logo — delivered to your email for free.
In-hand salary = Gross salary − employee deductions. Start with CTC, remove employer PF/ESI contributions to get gross, then subtract employee EPF (12% of basic + DA), ESI (0.75% if gross ≤ ₹21,000/month), state professional tax, and monthly TDS. This calculator does all of it automatically for both tax regimes.
It depends on your deductions. The new regime has lower slab rates, a ₹75,000 standard deduction and zero tax up to ₹12 lakh taxable income (87A rebate), but almost no other deductions. The old regime allows HRA exemption, 80C (₹1.5L), 80D, home-loan interest and more. If your total deductions are large (typically ₹4L+ at higher incomes), the old regime can win. This calculator compares both side-by-side and highlights the lower-tax option.
New regime slabs: up to ₹4L — nil; ₹4–8L — 5%; ₹8–12L — 10%; ₹12–16L — 15%; ₹16–20L — 20%; ₹20–24L — 25%; above ₹24L — 30%. With the ₹75,000 standard deduction and the section 87A rebate, salaried income up to ₹12.75 lakh is effectively tax-free.
Your employer estimates annual taxable income (gross salary minus applicable deductions and exemptions), computes tax as per your chosen regime including surcharge and 4% health & education cess, and deducts 1/12th of that tax from each month's salary as TDS under section 192.
Yes — EPF is a retirement contribution, not a tax, so 12% of basic + DA is deducted from your salary in both regimes. The difference: in the old regime your EPF contribution counts toward the ₹1.5L section 80C limit; in the new regime it gives no tax deduction.
Professional tax is a state levy capped at ₹2,500 per year. Maharashtra deducts ₹200/month (₹300 in February) above ₹10,000 gross; Karnataka ₹200/month from ₹25,000; West Bengal, Telangana, Andhra Pradesh, Tamil Nadu, Gujarat and others have their own slabs. Delhi, Haryana, UP and Rajasthan levy none. Pick your state in the calculator to apply the right amount.
ESI applies when monthly gross salary is ₹21,000 or less (in covered establishments): the employee pays 0.75% of gross and the employer 3.25%. Above ₹21,000 gross, ESI is not deducted.
Yes. Open the payslip section, add company and employee details, optionally upload a logo, and we email you a professional PDF payslip with the full earnings and deduction breakup — free.
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