India calculator

Salary Calculator India - 2025-2026

Our free salary calculator helps you make informed financial decisions in India. Whether you are planning your budget, evaluating a loan, or projecting investment growth, our calculator provides accurate results based on India specific rates and regulations.

At a Glance

How much take-home pay will I receive from my salary in India?

Your take-home pay in India is your gross salary minus Income Tax (Old or New Regime as you choose), EPF contribution (12% of basic), professional tax, and any other deductions. Use our free salary calculator for 2025-2026 with both tax regimes compared side by side.

Quick Answer

How do I calculate my take-home pay in India?

To calculate take-home pay in India, start with your gross salary in ₹. Subtract your EPF contribution (12% of basic), professional tax (state-dependent), and Income Tax (Old or New Regime). For the Old Regime, subtract Section 80C deductions (up to ₹1.5L), HRA exemption, standard deduction (₹75k), and home loan interest under Section 24. The New Regime offers lower rates but fewer deductions. Our salary calculator handles both regimes and all deductions for 2025-2026.

Salary Calculator

Converts salary between different pay periods

Inputs

Amount

₹

Pay Period

Hours per Week

Days per Week

Results

Salary Breakdown

Annual₹60,000.00

Monthly₹5,000.00

Biweekly₹2,307.69

Weekly₹1,153.85

Daily₹230.77

Hourly₹28.85

How to Use the Salary Calculator

Follow these simple steps to get accurate results in just a few clicks.

1
Enter your gross annual salary
Type your total annual earnings (CTC) in ₹, including basic pay, HRA, allowances, and bonuses before deductions.
2
Select your tax regime
Choose Old Tax Regime (more deductions) or New Tax Regime (lower rates). The calculator compares both to show the better option.
3
Enter your HRA and deductions
Add your HRA amount, rent paid (for HRA exemption), and Section 80C investments up to ₹1.5L to maximize tax savings under the Old Regime.
4
Include EPF and professional tax
EPF is 12% of basic salary. Professional Tax varies by state (₹1,200-₹2,500/year). These are added automatically.
5
Review your complete breakdown
View your Income Tax under both regimes, EPF, professional tax, total deductions, and net take-home pay for 2025-2026.

How to Use the Salary Calculator

Enter your gross annual salary in ₹ to calculate your take-home pay after 2025-2026 income tax and deductions in India. Adjust for superannuation, social security, and other deductions specific to India.

India Tax Brackets

India uses a progressive tax system. Our calculator applies the correct tax brackets for 2025-2026, including marginal tax rates, tax-free thresholds, and applicable deductions.

Understanding Your Take-Home Pay

Your gross salary minus income tax, social security contributions, and other mandatory deductions equals your net take-home pay. Use this figure for budgeting and financial planning in India.

Frequently Asked Questions

How is income tax calculated in India for 2025-2026?

Income Tax in India follows either the Old Tax Regime or New Tax Regime (introduced 2020). Old regime: 0% up to ₹2.5L, 5% on ₹2.5L-₹5L, 20% on ₹5L-₹10L, 30% above ₹10L, with deductions up to ₹1.5L under Section 80C. New regime: lower rates (0-30%) but most deductions disallowed. Taxpayers can choose whichever regime gives lower liability.

What is the Old vs New Tax Regime difference?

New Tax Regime rates for 2025-2026: 0% up to ₹3L, 5% on ₹3-7L, 10% on ₹7-10L, 15% on ₹10-12L, 20% on ₹12-15L, 30% above ₹15L. No deductions allowed except standard deduction ₹75k. Old regime allows Section 80C (₹1.5L), HRA, LTA, home loan interest (Section 24 up to ₹2L), and other deductions. The new regime is simpler; the old regime is better if you have significant qualifying expenses.

What is TDS and how does it affect my salary?

Tax Deducted at Source (TDS) is tax your employer deducts from your salary based on your estimated annual tax liability. Your employer calculates your total tax for the year and deducts it proportionally from each month's pay. You receive Form 16 from your employer showing the TDS amount. File your ITR to claim any excess TDS refund.

What is the Employee Provident Fund (EPF)?

EPF is a mandatory retirement savings scheme. You contribute 12% of your basic salary + dearness allowance. Your employer contributes 12% (8.33% to EPS for pension, 3.67% to EPF). The EPF interest rate for 2025-2026 is approximately 8.25%. EPF contributions qualify for deduction under Section 80C. Withdrawals are tax-free after 5 continuous years of service.

What is the professional tax in India?

Professional Tax is a state-level tax deducted from salary. It varies by state: Maharashtra up to ₹2,500/year, Karnataka up to ₹2,400/year, Tamil Nadu up to ₹1,200/year, West Bengal up to ₹2,500/year. Delhi and Uttar Pradesh do not levy professional tax. It is deducted monthly by employers in applicable states.

What is HRA exemption and how does it work?

House Rent Allowance (HRA) exemption reduces your taxable income if you live in rented accommodation. The exemption is the minimum of: (1) actual HRA received, (2) 50% of salary (metro) or 40% (non-metro) minus rent paid, or (3) actual rent paid minus 10% of salary. Rent must exceed 10% of salary to qualify. You must submit rent receipts to your employer.

What deductions are available under Section 80C?

Section 80C allows deductions up to ₹1.5L from your gross income. Eligible investments include: EPF, PPF (Public Provident Fund), ELSS (tax-saving mutual funds, 3-year lock-in), NSC (National Savings Certificate), 5-year bank fixed deposits, life insurance premiums, tuition fees for children, and principal repayment of home loans. Additional Section 80CCC (pension) and 80CCD(1B) (NPS, additional ₹50k) provide even more tax savings.

Compare Salary Calculator

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Last Updated: June 2026 — Reviewed Against Official Sources

Official Sources

India calculators use data from the following official government agencies:

Income Tax Department — Income tax slabs, exemption limits, and deduction rules under the Income Tax Act.
Data.gov.in — Open government data including economic indicators and demographic statistics.
Ministry of Finance — Union Budget, fiscal policy, and GST rate notifications.
Reserve Bank of India (RBI) — Repo rate, inflation data, and housing loan guidelines.

Methodology

Our India calculators use income tax slabs, GST rates, and contribution limits published by the Income Tax Department and the Ministry of Finance. Economic data is sourced from Data.gov.in and the Ministry of Statistics and Programme Implementation (MOSPI). All figures are for educational purposes and should be verified with a qualified chartered accountant.

Data Sources

All tax brackets, contribution rates, and economic data used in our calculators are sourced from the official government publications listed above. Rates are updated at least annually to reflect the latest tax year and regulatory changes. Users should verify critical figures with official sources or qualified professionals.

Last updated: June 2026. Information may change; always verify with official sources.