💼 Salary & Tax Planner ⚡ New vs Old Regime 💰 Accurate In-Hand

In-Hand Salary Calculator (India)

Apna Annual CTC dalein aur dekhein har mahine bank account me kitni salary aayegi!

Cost To Company (Annual CTC ₹): *

₹

₹ 9,00,000 (Nine Lakh Rupees)

Tax Regime Chunein:

Annual Variable Pay / Performance Bonus (Included in CTC):

₹

Professional Tax (PT per month):

Expected Monthly In-Hand Salary

₹ 64,833

Annual Take-Home: ₹ 7,78,000

Monthly Salary Breakdown:

Gross Salary (Monthly): ₹ 70,833

– Employee PF (EPF): -₹ 2,917

– Monthly Income Tax (TDS): -₹ 2,883

– Professional Tax (PT): -₹ 200

Net Take-Home (Bank Credit): ₹ 64,833

💡 Tax Tip: Is CTC bracket par New Tax Regime aapko zyada monthly in-hand degi!

📊 CTC vs In-Hand Salary Me Kya Farak Hota Hai?

CTC (Cost to Company) company ka poora annual kharcha hota hai jo wo aap par lagati hai. Isme aapki Basic Pay, HRA, Special Allowance ke sath sath wo paise bhi judte hain jo aapke hath me turant nahi aate — jaise Employer PF Share, Gratuity, aur Annual Performance Bonus.

Basic Salary (40-50% of CTC): Poori salary ka core hissa, jispar PF aur Gratuity calculate hota hai.
Employee Provident Fund (EPF): 12% aapki Basic Salary se kat kar retirement fund me chala jata hai.
TDS (Income Tax Deducted at Source): Monthly income slab ke aadhar par company pehle se tax kaat leti hai.
Net Take-Home: Wo final amount jo har mahine ke aakhri din aapke bank account me credit hota hai.

❓ Aksar Pooche Jaane Wale Sawaal (FAQs)

Kya ₹7.5 Lakh tak koi Income Tax nahi lagta?

Haan, New Tax Regime ke tehat ₹7 Lakh tak Section 87A ki poori tax rebate milti hai, aur ₹50,000 standard deduction milne se ₹7,50,000 tak ki annual taxable income par zero tax banta hai.

Mujhe New Regime chunni chahiye ya Old?

Agar aapke paas heavy home loan interest (Sec 24), high HRA rent receipts, aur ₹1.5L ka 80C investment hai, toh Old Regime behtar ho sakti hai. Warna bina kisi investment documentation ke New Regime me zyada in-hand salary milti hai.