Smart Salary Calculator India 2025 – Complete Tax & Take Home Pay Calculator


The Smart Salary Calculator India lets you estimate your net salary, total taxes, Provident Fund, professional tax, and deductions using official income tax rules for 2025. Whether you’re comparing CTC offers or want to know your in-hand, this step-by-step tool and guide will help you make the smartest decision.


How Smart Salary Calculator India Works in 2025

  1. Enter your CTC and salary components – The calculator splits your CTC into basic, HRA, special allowances, and PF as per typical Indian salary structure.
  2. Select your city (metro/non-metro) to apply correct HRA exemptions.
  3. Choose tax regime – New slabs for 2025 are supported, along with old and new (2024).
  4. View your net take-home, tax and deduction details after all calculations, as per the latest government rules.

2025 Latest Income Tax Slabs

New Regime 2025-26:
Up to ₹4L: Nil
₹4,00,001–₹8,00,000: 5%
₹8,00,001–₹12,00,000: ₹20,000 + 10%
₹12,00,001–₹16,00,000: ₹60,000 + 15%
₹16,00,001–₹20,00,000: ₹1,20,000 + 20%
₹20,00,001–₹24,00,000: ₹2,00,000 + 25%
Above ₹24,00,000: ₹3,00,000 + 30%
Plus 4% cess on tax.

Metro example: If you live in a metro, HRA exemption can be up to 50% of basic salary.

Note: All calculations are based on FY2025-26 rules. You can compare old and new regimes by changing region.

FAQs – Smart Salary Calculator India

  • What is considered CTC?
    CTC (Cost to Company) is the annual compensation, including all benefits, bonus, PF, and gratuity.
  • How is HRA calculated in India?
    It is the lowest of: actual HRA received, 50% (metro)/40% (non-metro) of basic, or rent paid minus 10% of basic.
  • How is PF calculated?
    Provident Fund is 12% of basic salary (both employer and employee contribute this amount each month).
  • Which tax regime is better?
    It depends on deductions and exemptions. The calculator compares your take-home under both regimes.
  • What are the latest slabs?
    The tool uses 2025 slabs for highest accuracy.

Try the Smart Salary Calculator India to plan your financial future clearly with the most accurate, updated tax information!