India In-Hand Salary Calculator
Free in-hand salary calculator for India, FY 2026–27: from CTC or gross to take-home pay after PF, professional tax and income tax, new and old regime.
| New regime | Old regime |
|---|
What it does
It turns a CTC or a gross salary into the money that actually reaches your bank account each month in FY 2026–27. It takes out employee PF, professional tax and income tax, and works the income tax under both regimes, the new one with its ₹75,000 standard deduction and section 87A rebate up to ₹12 lakh, and the old one with your deductions, so you can see which one leaves you more.
How to use it
- Type your CTC or gross salary, per year or per month, and choose which one it is.
- Adjust the basic salary share, the PF ceiling and your state's professional tax; for the old regime, add your deductions.
- Read the in-hand salary per month under the better regime, and compare both regimes line by line.
The arithmetic runs in your browser. Nothing you type is sent anywhere and nothing is stored, so you can use these with real numbers.
Frequently asked questions
Is a salary of ₹12.75 lakh really tax-free?
Under the new regime, yes: ₹12.75 lakh minus the ₹75,000 standard deduction leaves ₹12 lakh of taxable income, and the section 87A rebate cancels the tax up to that point. Just above it, marginal relief keeps the tax from exceeding the income above ₹12 lakh.
Which regime should I choose?
The calculator works out both. The old regime only wins when your deductions are large: full 80C, health insurance, a big HRA exemption or home loan interest. Without them, the new regime's lower rates and higher rebate almost always leave more.
Why is my in-hand salary so much lower than my CTC?
Because the CTC counts things you never receive monthly: the employer's PF contribution and gratuity. Then your own PF, professional tax and TDS come out of the gross. The note under the table shows how much of your CTC each part takes.
What is the PF wage ceiling?
PF is 12% of basic salary, but the law only requires it on a basic of up to ₹15,000 a month, so many employers deduct ₹1,800 a month. Others contribute on the full basic; untick the option if your payslip shows more.
Wikipedia — Income tax in India
Wikipedia — Employees' Provident Fund Organisation
Wikipedia — Professional Tax