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India Salary Calculator (Nigeria)

Convert CTC to monthly in-hand salary. Computes income tax under new and old regime, EPF, professional tax.

Net annual
₹12,78,854
Net annual
₹12,78,854
₹1,06,571/month in-hand
Income tax + surcharge + cess
₹74,646
EPF (employee)
₹72,000
HRA exempt
₹0
Professional tax
₹2,500
Effective tax rate
14.7%
Better regime
New
Saves ₹31,642/year vs the other regime

  • 100% private

    All math runs in your browser. Nothing leaves your device.

  • Formula-verified

    Each calculator is unit-tested against authoritative sources.

  • Instant results

    Static-rendered pages. Sub-second loads on any device.

  • Works offline

    Visit once and it keeps working without an internet connection.

How to use the India Salary Calculator (Nigeria)

  1. 1

    Enter your inputs

    Fill in the required fields at the top of the india salary calculator. Each input shows a default placeholder so you can see the expected format and units before you type.

  2. 2

    Adjust assumptions and options

    Use the toggles, sliders and dropdowns to tailor the calculation to your situation — currency, country, time period, advanced options and any optional fields all change the result in real time.

  3. 3

    Review the result

    The result card updates instantly as you type. Read the headline number, then check the breakdown, chart and any per-period schedule to understand how the inputs combined to produce the answer.

  4. 4

    Compare scenarios

    Change one input at a time to see how sensitive the result is to that variable. This is how you build intuition: small changes that move the answer a lot are the levers that matter.

  5. 5

    Share or save your result

    Copy the shareable link to send the exact scenario to someone else, or use your browser to print or save the page. The URL preserves every input so the recipient sees the same answer you do.

Frequently Asked Questions

  • The new regime (default from FY2025-26) generally favours those without major deductions, with a higher rebate (full tax rebate up to ~₹12.75L). The old regime favours those with significant 80C, 80D, HRA, home-loan and other deductions. Use the comparison toggle to see both.

  • Both regimes offer a standard deduction: ₹75,000 in the new regime and ₹50,000 in the old regime. It is automatically applied to salaried employees.

  • HRA exemption (only available in old regime) is the minimum of: actual HRA received, rent paid minus 10% of basic salary, or 50% of basic (metro)/40% (non-metro). The least of these three is exempt from tax.

  • The standard EPF rate is 12% of basic salary by employee, matched by 12% from employer. The employee contribution is deducted from your in-hand pay. EPS (₹15,000 wage ceiling) is part of the employer share.

  • Professional tax is a state-level tax. Maharashtra charges ₹200/month above ₹10,000 gross (₹300 in February). Karnataka, West Bengal and others have their own slabs. Some states like Delhi, UP, and Punjab don't charge professional tax.

  • The 87A rebate provides a full tax waiver for taxable income up to ₹12,00,000 (₹12,75,000 with standard deduction) under the new regime, capped at ₹60,000.

  • Yes surcharges are applied at ₹50L (10%), ₹1Cr (15%), ₹2Cr (25%) and ₹5Cr (37%). The new regime caps surcharge at 25% even for the highest income band.

  • Typically yes CTC includes employer EPF (12% of basic), gratuity provision (4.81% of basic) and medical/insurance benefits. These are not part of in-hand pay.

  • Health & Education Cess of 4% is applied on the income tax after rebate but before surcharge calculation. It's automatically computed in our calculator.

  • This calculator uses FY 2025-26 rates (current year). For FY 2024-25, the new regime had slightly different slabs and a lower rebate (₹25,000) use the year selector if available, or note the difference.

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