India salary calculator.
Enter a CTC. Get the exact monthly in-hand after EPF, ESIC, Profession Tax and TDS. FY 2025-26 slabs, both regimes, eight states. No email wall.
Total cost to company on the offer letter.
Old regime assumes ₹1.5L used under 80C and ₹50K standard deduction.
Annual breakdown
- Basic (50%)
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- HRA (20%)
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- Special allowance (30%)
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- EPF, employee 12% of Basic
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- Profession Tax
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- Income tax (TDS)
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Monthly in-hand
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· a year after all deductions.
Assumes the Versatile 50/20/30 CTC split and full-year employment. Surcharge above ₹50L taxable is not modelled here; speak to sales for offers at that level.
How the numbers are built.
The CTC split
Basic 50%, HRA 20%, special allowance 30%. The Labour Codes require Basic + DA at 50% or more of pay; the rest of the split protects the employee's deductions.
Statutory deductions
EPF at 12% of Basic from the employee. ESIC 0.75% only when gross pay is ₹21,000 a month or less. Profession Tax by state, ₹0 in Delhi to ₹2,500 in Maharashtra.
Income tax
New regime: ₹75K standard deduction, 87A rebate to ₹12L taxable, slabs 5% to 30%, plus 4% cess. Old regime: ₹50K standard deduction, 80C at ₹1.5L assumed, slabs from ₹2.5L.
Worked example
On the default inputs, a ₹24,00,000 CTC in Karnataka under the new regime returns a monthly take-home of about ₹1,66,597 after EPF, professional tax, and TDS.
Salary calculator, answered.
The questions founders ask before making an India offer.
Why is the CTC structure 50/20/30?
Basic at 50% complies with the Labour Codes requirement that Basic + DA make up at least half of pay. HRA at 20% preserves the rent-exemption deduction under the Old regime. The remaining 30% special allowance carries tax-optimised declarations. This split maximises in-hand while staying audit-clean.
New regime or Old regime?
New regime, for most India engineers. The standard deduction is ₹75,000, the 87A rebate wipes tax up to ₹12L taxable, and slabs rise gently to 30%. Old regime wins only with heavy 80C, 80D and HRA claims. Toggle both above and compare.
Why does Profession Tax change by state?
Profession Tax is levied by states, not the centre. Karnataka takes ₹2,400 a year, Maharashtra ₹2,500, and Delhi NCR takes nothing. The calculator covers 8 major hiring states.
Is this what my EOR invoice will show?
No. This is the employee side: what your hire takes home. The employer side adds EPF employer contribution, gratuity accrual and the EOR fee. Run the employee cost calculator for the invoice view.
When is a calculator the wrong answer?
When the offer is unusual (equity-heavy, part-year, or above ₹50L taxable where surcharge bands apply). At that point you want a payroll run modelled properly, not a web form. Speak to sales and we will model it.
Longer reading: Cost of hiring in India · EOR services in India · Related tool: India income tax calculator
Tell us where you are on the decision.
A role you want to hire, a team you want moved, or just the two routes to compare. A named person replies in 4 to 6 hours.
What the first call covers
30 minutesA cost comparison for your headcount, on your numbers, both routes.
- A written cost breakdown
- Entity documents before the call
- PF, ESI, TDS, termination law
- No follow-up sequence
You pick the time, we send a Meet link. Any timezone.