Take Home Salary Calculator for FY 2024-25 & 2025-26

Calculate your actual in-hand salary based on New Labour Code 2025 with 50% basic pay rule. Includes PF, professional tax, and income tax deductions.

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Salary Details

Annual CTC (Cost to Company)

₹1,00,000 - ₹2,00,00,000 per year

Salary Structure

State (for Professional Tax)

Professional Tax: ₹2,500 per year

Tax Regime for FY 2025-26

Your Take Home Salary

New Structure (50% Basic)

₹11,54,300

₹96,192 per month

Annual CTC₹12,00,000

Basic Salary (50%)₹6,00,000

HRA₹3,00,000

Special Allowance₹3,00,000

EPF (Employee)-₹21,600

Professional Tax-₹2,500

Income Tax-₹0

Total Deductions-₹24,100

New Labour Code 2025

Basic salary must be at least 50% of CTC. This increases PF contributions and gratuity but may reduce monthly take-home.

Detailed Salary Breakdown

Component	Annual	Monthly
Basic Salary	₹6,00,000	₹50,000
House Rent Allowance (HRA)	₹3,00,000	₹25,000
Special Allowance	₹3,00,000	₹25,000
Gross Salary	₹11,78,400	₹98,200
EPF Employee Contribution (12%)	-₹21,600	-₹1,800
Professional Tax	-₹2,500	-₹208
Income Tax (New Regime)	-₹0	-₹0
Net Take Home Salary	₹11,54,300	₹96,192

Employer Contributions (Not in CTC)

EPF Employer Contribution (12%)₹21,600

Frequently Asked Questions

For FY 2025-26, the New Tax Regime offers higher exemption limits (tax-free up to ₹12.75 lakh for salaried) and lower tax rates but does not allow deductions under Section 80C, 80D, HRA, etc. Choose Old Regime if you have significant deductions (80C investments, home loan interest, HRA claims exceeding ₹1.5 lakh). Otherwise, New Regime is beneficial for most salaried employees, especially those earning below ₹15 lakh with minimal deductions.

The New Labour Code 2025 (effective November 21, 2025) mandates that basic salary must constitute at least 50% of your CTC (Cost to Company). Previously, many companies kept basic at 40% or lower. With higher basic pay, your PF contributions (12% of basic) and gratuity liability increase. This results in slightly lower monthly take-home but higher long-term savings and retirement benefits.

Related Calculators

Income Tax Calculator

Calculate income tax liability

HRA Exemption Calculator

Calculate HRA tax exemption

Gratuity Calculator

Calculate gratuity amount

Disclaimer

This calculator provides estimates based on the information you provide and current labour laws and tax regulations. Actual take-home salary may vary based on your company's specific salary structure, state laws, and individual circumstances. Please consult your HR department or a qualified financial advisor for personalized advice. FincalFY is not liable for any decisions made based on these calculations.

Last Updated: December 2025 | Based on: New Labour Code 2025, Finance Act 2024