Free Developer Utility

Tech CTC to In-Hand Salary Calculator

Calculate your exact monthly take-home salary from your gross CTC with Base pay, EPF, HRA, Standard Deduction, and New vs Old Tax Regime slabs (FY 2025-26 Budget).

Configuration

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@if (country() === 'IN') {
Regime Choice
@if (showDetailedIN()) {
Basic Salary Ratio50%
}
} @if (country() === 'US') {
}
@if (country() === 'IN') {
Tax Recommendation

The New Tax Regime provides the highest take-home salary for this CTC with zero complicated investments required.

}
Monthly Net In-Hand

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Annual: ₹
Total Tax & Levies₹
Effective Tax Rate9.5%
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Tax Slab Breakdowns (New Tax Regime)

₹0 – ₹3,00,000Rate: 0%₹0
₹3,00,001 – ₹7,00,000Rate: 5%₹20,000
₹7,00,001 – ₹10,00,000Rate: 10%₹30,000
₹10,00,001 – ₹12,00,000Rate: 15%₹30,000
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}
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Comprehensive Compensation Guide

Understanding Your Tech Salary: CTC vs. Take-Home In-Hand Calculation

When software engineers receive an offer letter with an attractive CTC (Cost to Company), the actual bank deposit at the end of the month is often significantly lower. Understanding the difference between gross compensation, statutory deductions, and net monthly take-home is critical before accepting any tech offer.

1

Direct Compensation (Gross)

Basic Pay, House Rent Allowance (HRA), Special Allowance, and Transport Allowance. This forms the taxable foundation of your monthly payslip.

2

Statutory & Retirement

Employee Provident Fund (12% of basic), Employer EPF contribution, and Gratuity provision (4.81% of basic). These are mandatory long-term savings deducted upfront.

3

Taxes & Levies (TDS)

Income Tax calculated under the New or Old Tax Regime, plus 4% Health and Education Cess, and state Professional Tax (typically ₹200/month).

New vs. Old Tax Regime Comparison for Software Engineers

New Tax Regime (Default)

Offers lower tax slab rates and an enhanced Standard Deduction of ₹75,000 for salaried employees. Taxable income up to ₹7,00,000 enjoys full tax rebate under Section 87A (effective zero tax). Ideal for developers who do not claim high home loans or substantial Section 80C investments.

Old Tax Regime (Exemption-Driven)

Higher slab rates but permits major deductions: HRA exemption under Section 10(13A), Section 80C (up to ₹1,50,000 for EPF, PPF, ELSS), Section 80D (health insurance), and Section 24 (home loan interest up to ₹2,00,000). Best for developers paying high rent in Tier-1 tech hubs like Bengaluru, Hyderabad, or Pune.

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