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Salary → Take-Home (India)
FY 2025-26
Annual CTC
₹
₹12.00 L / year
Basic Salary (% of CTC)
%
Basic = ₹4.80 L (most companies use 40–50%)
80C Investments (old regime)
₹
EPF + ELSS + PPF + LIC etc., capped ₹1.5L
Other Deductions (old regime)
₹
HRA exemption, 80D, home-loan interest, NPS…
Professional Tax (per month)
₹
₹0 (Delhi/UP)
₹200 (KA/MH…)
₹208 (WB)
Monthly Take-Home
₹90,200
in-hand each month · ₹10.82 L/year
Best Regime
new
saves ₹1.05 L/yr vs old
Where your CTC goes (annual)
Annual CTC
₹12,00,000
− Employer EPF (inside CTC)
₹57,600
= Gross salary
₹11,42,400
− Employee EPF (12% of basic)
₹57,600
− Professional tax
₹2,400
− Income tax (new regime)
₹0
= Annual take-home
₹10,82,400
New regime tax:
₹0
Old regime tax:
₹1,04,520
Full regime comparison →
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✨ Live · Estimates for salaried employees; gratuity, variable pay & flexi components vary by employer.
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