In-Hand Salary Calculator

Accurate monthly net salary computation with New vs Old Tax Regime FY 2025–26.

Gross Monthly Salary

₹

Total monthly earnings (Basic + HRA + Allowances) before deductions.

Tax Regime

PF Deduction Mode

Old Regime Deductions (80C/80D/HRA)

₹

Applies only if Old Regime is chosen.

Professional Tax (PT)

Net Monthly Credit

FY 2025–26 Tax Slabs

Estimated Net Take-Home Salary

₹76,462

New Regime Monthly

₹76,462

Old Regime Monthly

₹75,183

Gross Monthly Earnings	₹85,000
Standard Deduction (Annual)	₹75,000 (New Regime)
Employee PF Deduction (Monthly)	- ₹4,080
Professional Tax (Monthly)	- ₹200
Estimated Income Tax (TDS / Month)	- ₹4,258
Total Monthly Deductions	₹8,538

How Net In-Hand Salary is Calculated in India

Your net monthly in-hand take-home salary is calculated by subtracting mandatory employee statutory deductions and income tax (TDS) from your gross monthly salary:

Net In-Hand Salary = Gross Monthly Salary − (Employee PF + Professional Tax + Monthly TDS)

New Tax Regime FY 2025–26 Slabs

Under the revised New Tax Regime (Section 115BAC), the Standard Deduction is ₹75,000. Due to the Section 87A rebate, salaried employees with taxable income up to ₹7.75 Lakh (₹7,00,000 + ₹75,000 standard deduction) pay zero income tax.