Take-Home Salary Calculator
CTC to in-hand salary — old vs new regime
A deep CTC-to-take-home breakup: Basic, HRA, PF, ESI, state-wise Professional Tax, and income tax under both the old and new regime, with surcharge, cess, and the Sec 87A rebate.
Salary structure
Provident fund
Restrict PF to ₹25,000 wage ceiling
Statutory default. Turn off if PF is paid on full Basic.
Employer PF is part of my CTC
Turn off if employer PF is paid on top of your CTC
Location & state tax
Income tax regime
Good to know
- CTC includes employer contributions (employer PF, EDLI, employer ESI) that are never paid to you directly.
- PF is calculated on Basic + DA capped at the ₹25,000/month wage ceiling (raised from ₹15,000 on 17 Sep 2026) unless PF is paid on the full amount.
- ESI applies only when gross salary is ₹21,000/month or below — above that, neither side contributes.
- The new regime has a ₹75,000 standard deduction and allows no HRA, 80C, 80D or home-loan-interest deductions. The old regime has ₹50,000.
Take-home pay · New regime
Take-home salary per month
₹93,667
₹11,24,000 a year · 6.3% of CTC goes to deductions
The new regime gives ₹1,05,456 more in hand per year.
Earnings
Deductions
Taxable income: ₹10,87,500 a year (₹75,000 standard deduction).
Income tax: ₹0 a year, ₹0 TDS a month, incl. 4% cess ₹0.
HRA exemption is not available in the new regime.
Sec 87A rebate applied — no tax up to ₹12,00,000 taxable income.
This is an estimate for reference only. Actual in-hand salary depends on your specific salary structure, employer policies, applicable state law and investment declarations. Rates shown are those in force for FY 2026-27 — consult your HR or CA for precise figures.
How this calculator works
Your Cost to Company (CTC) is split into Basic + DA, HRA, and other allowances, plus employer-side contributions (employer PF, EDLI, employer ESI) that never reach your bank account. From the resulting gross salary, employee PF, employee ESI (if applicable), state Professional Tax, and income tax (TDS) are deducted to arrive at your monthly take-home pay. Income tax is computed using the FY 2026-27 slab rates (unchanged from FY 2025-26) for both the old and new regime, including the Section 87A rebate, applicable surcharge with marginal relief, and 4% health & education cess — so you can compare which regime actually saves you more.
Take-Home Salary Calculator: FAQs
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