In India your in-hand salary depends on income tax (new regime), the Section 87A rebate and EPF. These calculators use the FY 2025-26 slabs so you can see what you actually take home.

From CTC to in-hand

Under the new regime, income tax runs from 0% to 30% in slabs, with a ₹75,000 standard deduction and a 4% cess on top. Thanks to the Section 87A rebate, salaried income up to about ₹12 lakh effectively pays no tax. EPF takes 12% of basic pay for your retirement.

Gratuity, the rupee and inflation

After five years of service you're entitled to gratuity (roughly 15 days' pay per year, capped at ₹20 lakh). As a reference, the US dollar is around ₹86, and since 2012 prices are up about 2× (CPI).

At a glance

Key 2025-26 numbers

Item	FY 2025-26 value (reference)
Income tax (new regime)	0% – 30% (slabs)
Effectively tax-free (with 87A)	up to ~₹12 lakh
Standard deduction	₹75,000
Health & education cess	4%
EPF (employee)	12% of basic
Gratuity cap	₹20 lakh
USD / INR	~₹86
Inflation since 2012 (CPI)	prices ~2.06× (100 → 206)

Heads up

These figures are estimates for the new tax regime and change each year (slabs, rebate, cess). The old regime with deductions may suit some taxpayers better. This is not tax advice.

FAQ

Common questions

Under the new regime, slabs run from 0% to 30% with a ₹75,000 standard deduction and a 4% cess. Thanks to the Section 87A rebate, income up to about ₹12 lakh effectively pays no tax.

The Employees' Provident Fund is a retirement scheme. You contribute 12% of your basic (plus DA), and your employer contributes a matching amount.

The new regime has lower rates but few deductions; the old regime is better if you claim large deductions (80C, HRA, home loan interest). Compare both for your situation.

After completing five years of continuous service. It's roughly 15/26 of your last basic salary per year of service, capped at ₹20 lakh.

By CPI (base 100 in 2012), prices are around 206 — roughly double, so ₹100 in 2012 buys about ₹49 worth today.