In-Hand Salary Calculator (India, FY 2026-27)
Put in your CTC, get your actual monthly take-home — with the new and old tax regimes compared side by side. EPF, gratuity, professional tax, surcharge and cess are all accounted for. Nothing leaves your browser.
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Take-home
The new regime wins here by ₹1,13,606 a year. You would need over ₹3,77,213 in old-regime deductions before that flips.
Runs entirely in your browser. Nothing about your salary is sent anywhere, stored, or logged.
How CTC becomes in-hand salary
Cost to Company is what you cost your employer, not what you get paid. The gap is made of three subtractions, applied in this order:
- Employer EPF — 12% of basic pay. It is inside your CTC and it goes to your PF account, not your bank account.
- Gratuity accrual — roughly 4.81% of basic (statutorily 15/26 of a month's basic per year of service). Most Indian CTC letters bundle it in; you only receive it after five years.
- Employee EPF — another 12% of basic, deducted from your gross before payout.
What is left, after professional tax and income tax, is your in-hand. The single biggest variable nobody tells you about is your basic pay percentage: a company that sets basic at 50% of CTC deducts noticeably more PF than one that sets it at 30%. Same CTC, different take-home. That is why the slider is the second input on this page.
Income tax slabs, FY 2026-27 (AY 2027-28)
New tax regime (default)
| Taxable income | Rate |
|---|---|
| Up to ₹4,00,000 | Nil |
| ₹4,00,001 – ₹8,00,000 | 5% |
| ₹8,00,001 – ₹12,00,000 | 10% |
| ₹12,00,001 – ₹16,00,000 | 15% |
| ₹16,00,001 – ₹20,00,000 | 20% |
| ₹20,00,001 – ₹24,00,000 | 25% |
| Above ₹24,00,000 | 30% |
Standard deduction ₹75,000. Section 87A rebate makes tax nil up to ₹12,00,000 of taxable income, with marginal relief just above it so that earning one extra rupee cannot cost you sixty thousand.
Old tax regime
| Taxable income | Rate |
|---|---|
| Up to ₹2,50,000 | Nil |
| ₹2,50,001 – ₹5,00,000 | 5% |
| ₹5,00,001 – ₹10,00,000 | 20% |
| Above ₹10,00,000 | 30% |
Standard deduction ₹50,000, plus 80C, 80D, HRA exemption, home loan interest under section 24(b), and your own EPF contribution. Worth it only if those add up.
Worked examples
Assuming basic at 40% of CTC, gratuity inside CTC, ₹2,400 professional tax (Karnataka), and ₹1,50,000 of old-regime deductions:
| CTC | Monthly in hand (new) | Monthly in hand (old) | Annual tax (new) |
|---|---|---|---|
| 12 LPA | ₹88,276 | ₹80,965 | ₹0 |
| 18 LPA | ₹1,22,087 | ₹1,12,620 | ₹1,25,126 |
| 25 LPA | ₹1,61,278 | ₹1,48,128 | ₹2,74,170 |
| 40 LPA | ₹2,36,125 | ₹2,24,217 | ₹7,03,136 |
These are computed by the same functions that power the calculator above, so they cannot drift out of sync with it.
Frequently asked
How is in-hand salary calculated from CTC in India?
Start from CTC and subtract the employer-side costs that never reach your payslip — the employer's 12% EPF contribution and the gratuity accrual (about 4.81% of basic). That gives gross salary. From gross, subtract your own 12% EPF contribution, professional tax, and income tax after the standard deduction. What remains, divided by twelve, is your monthly in-hand.
What is the standard deduction for FY 2026-27?
₹75,000 under the new tax regime and ₹50,000 under the old regime, for salaried individuals.
Is the new tax regime better than the old one?
For most salaried people with modest deductions, yes. The new regime taxes nothing below ₹4,00,000, gives a ₹75,000 standard deduction, and a full section 87A rebate up to ₹12,00,000 of taxable income. The old regime only wins once your combined 80C, 80D, HRA exemption and home loan interest deductions get large — typically upward of ₹4,00,000 a year. The calculator above shows both at once so you do not have to guess.
Why is my in-hand salary so much lower than my CTC?
Three things eat the gap: employer PF and gratuity are counted in CTC but never paid to you, your own PF is deducted before payout, and income tax comes off the rest. On an ₹18,00,000 CTC the difference between CTC and annual in-hand is routinely ₹3,00,000 to ₹4,00,000.
Does this calculator store my salary?
No. Every calculation runs in JavaScript in your own browser. There is no server call, no analytics event carrying the number, and nothing written to storage.
Built by Himanshu Srivastava, a backend engineer in Bengaluru who got tired of salary calculators that want your email address. More in the tools collection — including a freelance rate calculator.
This is an estimate for salaried individuals under 60, not tax advice. Actual deductions depend on your employer's salary structure and your declared investments. Confirm with a chartered accountant before making a decision that depends on the number.