CTC to In-Hand Salary Calculator India 2026-27

Arpi September 16, 2026 0 Comments

Indian salary calculator screen showing CTC to in-hand monthly take-home pay with old vs new tax regime comparison

 

CTC to In-Hand Salary Calculator India

Calculate estimated monthly take-home salary from CTC and compare old vs new tax-regime results · FY 2026-27 (AY 2027-28) · calculated entirely in your browser — nothing is sent anywhere.

Assumes you're a resident individual for Indian tax purposes, filing an ordinary salary return. NRIs, non-residents, and cases where surcharge applies (broadly, total income above ₹50,00,000) aren't modelled here.

Advanced assumptions (basic %, HRA, PF, rent, professional tax, 80C)
Your Basic % and HRA assumptions are higher than the fixed CTC can support once employer PF/EPS and gratuity are set aside. Lower the Basic % or the actual HRA amount so the modelled components fit inside your CTC, then recalculate.
Estimated regular monthly take-home, before any separate bonus payout
₹0
Estimated annual cash after employee deductions and estimated income tax, including bonus: ₹0
This isn't a reproduction of your employer's monthly TDS payroll schedule. The regular monthly figure excludes bonus, since variable pay isn't normally paid out as equal monthly salary; the annual figure adds the bonus back in after its estimated tax impact, so annual ÷ 12 won't exactly match the monthly number above.
Marginal relief applied — without it, tax would jump sharply right at the rebate threshold.

Where your salary goes

₹0
Monthly gross salary
₹0
Employee EPF / month
₹0
Professional tax / month
₹0
Income tax (TDS) / month
₹0
Annual income tax
0%
Effective deduction (of CTC)
CTC componentAnnual (₹)

"Employer PF & EPS contribution" here is an estimate based on the selected PF wage base (12% of that base). Actual employer contributions, and how EPFO splits them between your EPF account, the Employee Pension Scheme, and admin/insurance charges, can differ depending on your salary structure and applicable EPFO rules — it isn't a single EPF credit. See the EPFO employer information booklet for the exact split.

Important: This calculator gives an estimate, not an official salary slip, payroll calculation, or tax filing result. It assumes a resident individual with ordinary salary income. This calculator does not model surcharge and is intended for cases where total income does not cross the applicable surcharge threshold (broadly, ₹50,00,000) — NRI rules and income taxed at special rates (capital gains, lottery, etc.) are also not modelled. Actual in-hand salary depends on your employer's specific CTC structure, PF/EPS treatment, HRA policy, bonus timing, professional-tax slab, deductions and exemptions you actually claim, and other components not modelled here (ESOPs/RSUs, LTA, NPS employer contribution, etc.). It does not replace advice from a qualified tax professional.

Tax-year note: This calculator is built for FY 2026-27 (AY 2027-28). Current tax-guidance sources report these slabs as unchanged from FY 2025-26 following the Finance Bill 2026 — last checked September 2026 — but tax rules can change with each year's Union Budget. Confirm the applicable year's rules at incometax.gov.in before relying on this for financial decisions.
Frequently asked questions

Why is my in-hand salary lower than CTC ÷ 12?

Because CTC includes employer PF/EPS contribution and gratuity accrual, which your employer pays but you don't receive monthly — plus your own EPF, professional tax and income tax are deducted from what's left.

Which tax regime should I compare?

The new and old tax regimes use different deductions and exemptions, and the better one depends on your rent, investments, and other claims. Enter your details under both regimes above and compare the estimated in-hand salary for your own situation.

Why does my tax not jump sharply right above the rebate threshold?

Under the new regime, marginal relief caps your tax so it never exceeds the amount your income exceeds the ₹12,00,000 rebate threshold by. The old regime's ₹5,00,000 rebate doesn't carry the same marginal-relief provision, so tax there can rise more noticeably just past that threshold — this calculator reflects that difference rather than smoothing it out.

More salary calculators
Arpi

Posted by Arpi

Post a Comment

0 Comments