₹25L a year. How much will you actually take home?
Estimated tax, monthly deductions and in-hand pay for FY 2026-27, under either tax regime.
Estimates only. Tax rules change and individual situations differ — verify against current rules or with a tax professional before filing.
Where your salary goes
From CTC to take-home
See the full calculation
| Annual CTC You entered | ₹25,00,000 |
| Employer PF (part of CTC, goes to your PF account) | −₹1,20,000 |
| Gratuity provision (paid when you leave) | −₹48,100 |
| Standard deduction Official rules | −₹75,000 |
| Taxable income | ₹22,56,900 |
| Income tax after rebate and relief Official rules | ₹2,64,225 |
| Health and education cess (4%) Official rules | ₹10,569 |
| Estimated annual tax | ₹2,74,794 |
Monthly deductions
| Income tax (TDS) on regular salary | ₹22,900 |
| Your PF contribution | ₹10,000 |
| Professional tax, Karnataka (approx.) Estimate | ₹208 |
| Total monthly deductions | ₹33,108 |
| Estimated monthly take-home | ₹1,61,217 |
Your PF account also grows by about ₹20,000 a month (yours plus your employer's).
New or old regime?
Annual tax
The new regime costs ₹1,95,359 less a year on these inputs. The old-regime figure depends on the deductions you enter (currently ₹1,50,000).
How much will you actually have left?
Take-home is half the story. Add your rent and lifestyle to see what you'd save.
What does that mean for you?
Change any number. Answers update as you type.
Kitna bachega in 10 years?
0% shows plain savings. Any rate is your assumption.
₹12.47L a year, kept constant. Add a return rate to see growth.
Should I move?
To live the same way in Hyderabad, you'd need about ₹23.95L. On today's ₹25L, you'd have ₹1.1L a month left there — ₹6K more than now.
Compare a real offer thereCan I afford this home?
You'd need at least ₹37.5L down under RBI loan limits, plus stamp duty and registration. The EMI on the rest is about ₹94K a month at 8% over 20 years — 58% of your take-home. That's more than half your take-home. At today's savings, the down payment takes about 3 years to build.
See three price scenariosWhat would it take to save this much?
You're on track. At about ₹12.47L a year, you'd clear ₹10L with ₹2.47L to spare.
Plan a budgetIs this offer worth it?
A ₹30L offer in Bangalore changes take-home by +₹25K a month — +₹3.04L a year, or 61% of the ₹5L raise after tax and PF. Your savings would go from ₹1.04L to ₹1.29L a month.
Compare two offers in detailYour KITNA Salary Report ₹299
Salary analysis, a monthly budget, savings projection, city and housing scenarios, written for your numbers. Everything above stays free.
See what's in the reportQuestions people ask
How is in-hand salary calculated from CTC?
KITNA subtracts employer PF and gratuity (which sit inside CTC but aren't paid monthly), then income tax, your own PF and state professional tax. Basic pay is assumed at 40% of fixed CTC, which you can change.
What are the new regime tax slabs for FY 2026-27?
Nil up to ₹4 lakh, then 5%, 10%, 15%, 20% and 25% in ₹4 lakh bands, and 30% above ₹24 lakh. Salaried people get a ₹75,000 standard deduction, and a Section 87A rebate makes tax nil up to ₹12 lakh of taxable income.
Should I choose the new or old regime?
It depends on your deductions. The calculator shows both side by side; the old regime only wins if you claim substantial deductions such as HRA, 80C and home-loan interest.