💵 FY 2026-27 · Both Regimes

Take-Home Salary Calculator

Enter your CTC — see monthly in-hand, full breakup, and Old vs New regime comparison instantly

Annual CTC
₹
Salary structure
₹0
₹0
City & Deductions
Monthly In-Hand Salary
₹0
enter CTC above to calculate
Annual Take-Home
₹0
Effective Tax Rate
0.0%
Monthly Gross
₹0
Annual Tax
₹0
How your Gross Salary is distributed
In-Hand
PF
Tax
PT
In-Hand
Employee PF
Income Tax
Prof. Tax
Old Regime vs New Regime Comparison
Component Old Regime New Regime
Taxable Income——
Standard Deduction₹50,000₹75,000
Income Tax——
Cess (4%)——
Total Tax (incl. cess)——
Monthly In-Hand——
Monthly Salary Breakup
Basic Salary₹0
HRA 40% of Basic₹0
Special Allowance₹0
Gross Salary₹0
Employee PF 12% of Basic, max ₹1,800₹0
Income Tax (monthly)₹0
Professional Tax₹0
Net In-Hand (Monthly)₹0
📄 Your Numbers Inside the PDF Report
Monthly In-Hand—
Annual Tax—
Recommended Regime—
✓ Full CTC breakup
✓ Old vs New comparison
✓ Monthly deductions table
✓ Effective tax rate analysis
✓ 5 personalised tax tips
✓ Share-ready salary slip
🔒 One-time ₹99 · Instant download · No subscription
ⓘ Calculations are estimates for FY 2026-27. HRA exemption not separately deducted in Old Regime here (use the dedicated HRA Calculator). Consult a tax professional for precise figures.
Frequently Asked Questions
How is take-home salary calculated from CTC? +
Take-home = Gross Salary minus Employee PF (12% of Basic, max ₹1,800/month) minus Income Tax (annual tax ÷ 12) minus Professional Tax. Gross = CTC minus Employer PF. Components: Basic (typically 40-50% of CTC), HRA (40-50% of Basic), Special Allowance (remainder).
Which tax regime gives higher in-hand salary? +
The New Regime (2026-27) is better for most salaried employees — especially if income is below ₹12.75L (effectively zero tax due to ₹75K standard deduction + ₹60K Sec 87A rebate). Old Regime is better if you have large deductions: 80C (₹1.5L), HRA exemption, home loan interest (up to ₹2L), NPS (₹50K). Use the comparison table above to decide.
Is PF deducted from take-home salary? +
Yes. Your Employee PF contribution (12% of Basic, capped at ₹1,800/month if basic exceeds ₹15,000) is deducted from gross salary. Your employer also contributes 12% of Basic — split into EPF (3.67%) and EPS (8.33%) — and this is included in your CTC. Both go into your PF account.
What is professional tax and who pays it? +
Professional Tax is a state-level employment tax deducted by employers. It is ₹2,400/year in Maharashtra, Karnataka, Tamil Nadu, Telangana, West Bengal, and Gujarat. Delhi, UP, Haryana, and many other states do not levy PT. It is deductible under Sec 16 of the Income Tax Act when computing taxable income under Old Regime.

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