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Salary In-Hand Calculator: New vs Old Tax Regime

Enter your CTC and salary structure. See gross salary, deductions, tax and monthly in-hand under both regimes side by side, with HRA exemption and old-regime deductions worked out, so you can pick the better regime and plan TDS.

QUICK ANSWERIn-hand salary = CTC − employer PF − gratuity − employee PF − professional tax − income tax (TDS). Under the new regime (Budget 2025 slabs), taxable income up to ₹12 lakh after the ₹75,000 standard deduction pays no tax due to the 87A rebate, so a ₹12.75 lakh gross salary is effectively tax-free. The old regime wins only if your deductions (HRA, 80C, 80D, home loan interest) are large.

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What you get free in the Salary In-Hand Calculator (New vs Old Regime)

✅ CTC → gross → in-hand
✅ New vs old regime side by side
✅ HRA exemption calculation
✅ PF (capped / full), gratuity, PT
✅ 87A rebate with marginal relief
✅ Surcharge and 4% cess

How to use the Salary In-Hand Calculator (New vs Old Regime)

STEP 1
Enter CTC and structure
CTC, variable pay, basic %, PF method and gratuity.
STEP 2
Add old-regime deductions
Rent, 80C, 80D, home loan interest and NPS.
STEP 3
Compare
Monthly in-hand and total tax under both regimes.
STEP 4
Choose regime
Tell your employer for TDS; you can still switch while filing ITR (salaried).

How in-hand salary is worked out

CTC includes things you don’t receive monthly: employer PF contribution, gratuity and sometimes insurance and variable pay. Gross salary is what is paid; from it your PF contribution, professional tax and TDS are deducted to give in-hand.

The new regime has lower rates and a ₹75,000 standard deduction but almost no exemptions. The old regime allows HRA, 80C (₹1.5 lakh incl. your PF), 80D, home loan interest up to ₹2 lakh and NPS ₹50,000. Salaried people can choose each year while filing.

Frequently asked questions

What is the in-hand salary for 12 lakh CTC?

Roughly ₹90,000–₹95,000 a month under the new regime with capped PF and gratuity in CTC, since taxable income stays near the ₹12 lakh rebate limit. Your structure changes the exact figure.

Is income up to ₹12 lakh tax-free?

Under the new regime, taxable income up to ₹12 lakh gets a full 87A rebate (up to ₹60,000). For salaried people that is ₹12.75 lakh gross after the standard deduction. Special-rate income such as capital gains is treated separately.

Which regime is better for me?

If your old-regime deductions (HRA + 80C + 80D + home loan interest + NPS) are below about ₹4–5 lakh, the new regime usually wins. The calculator shows the exact difference.

Is this tool free? Do I need to sign up?

Yes, it is completely free with no login and no limit on entries. Signing up for FastFee is optional. The free plan keeps your records synced across devices; automatic WhatsApp reminders, UPI AutoPay and team logins are on FastFee Premium.

Where is my data stored?

Only in your browser on this device (local storage). Nothing is uploaded to FastFee. Clearing browser data deletes it, so export a CSV or PDF backup regularly.

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