Salary Take-Home Calculator India 2025–26
Compare Old vs New Tax Regime side by side. Get your exact monthly in-hand salary with HRA, 80C, EPF, and professional tax.
🔒 Your data never leaves this device
Advertisement
💰 Enter Your Salary Details
₹
Enter your annual CTC or gross salary
30%
40%
60%
₹
Leave blank to auto-calculate at 50% of monthly basic
₹
PPF, ELSS, LIC, home loan principal, etc. Max ₹1,50,000
₹
Self + family premium. Max ₹25,000 (₹50,000 if senior)
₹
Extra NPS deduction beyond 80C. Max ₹50,000
₹
Detailed Comparison
Income Breakdown (Better Regime)
File your ITR with expert CA help — free for simple returns
ClearTax handles salary ITR, Form 16 analysis, refund tracking and more
File Free on ClearTax →
Affiliate link
Advertisement — 300×250
How the Calculator Works
1
Enter Salary
Input your annual gross salary and salary structure details
2
Add Deductions
Enter HRA, rent, 80C, 80D, NPS and professional tax details
3
Compare Regimes
See old vs new regime tax instantly with the winner highlighted
4
Get In-Hand
See your exact monthly take-home after all deductions and taxes
Advertisement
Frequently Asked Questions
It depends on your deductions. If you have high HRA, 80C investments, NPS, and health insurance totalling more than ₹3–3.5 lakh, the old regime may be better. For most people with low deductions or income below ₹12 lakh, the new regime is now better due to the zero-tax threshold of ₹12L and ₹75K standard deduction.
HRA exemption is the minimum of: (1) Actual HRA received, (2) 50% of basic salary for metros / 40% for non-metros, and (3) Actual rent paid minus 10% of basic salary. The four metros under Income Tax Act are Delhi, Mumbai, Chennai, and Kolkata — not Bangalore or Hyderabad.
Under the New Tax Regime: ₹75,000 standard deduction (increased from ₹50,000 in Budget 2024). Under the Old Tax Regime: ₹50,000. Standard deduction is automatic — you don't need to invest anything to claim it.
Yes, salaried employees can switch between old and new regime every financial year at the time of filing ITR. However, if you have business income (including freelance income), you can only switch once back to the old regime after opting for the new regime.
Under the new regime, only the ₹75,000 standard deduction and employer NPS contribution deduction (Section 80CCD(2)) are allowed. Deductions for HRA, 80C (PPF, ELSS, LIC), 80D (health insurance), home loan interest, and NPS self-contribution are NOT available under the new regime.