In-Hand Salary Calculator (FY 2025–26 & FY 2026–27)
Calculate your exact monthly take-home salary, PF, professional tax, and new vs old tax regime savings in seconds.
Advanced: Statutory EPF Cap & Itemized Deductions ▼
Old Regime Deductions (Optional):
Annual In-Hand: ₹9,68,986
New Tax Regime saves you ₹56,480 in tax compared to Old Regime.
Detailed CTC Audit Breakdown
Every rupee accounted for between annual CTC and monthly net bank credit.
| Component | Rule / Category | Monthly Amount | Annual Amount |
|---|---|---|---|
| Annual CTC | Total Employer Cost | ₹1,00,000 | ₹12,00,000 |
| − Employer EPF | 12% of Basic (Retirement benefit) | − ₹6,000 | − ₹72,000 |
| − Gratuity | 15/26 of monthly basic / 12 (Statutory) | − ₹2,404 | − ₹28,846 |
| = Cash Gross Salary | Base for TDS & Employee deductions | ₹91,596 | ₹10,99,154 |
| − Employee EPF | 12% of Basic (Employee share) | − ₹6,000 | − ₹72,000 |
| − Professional Tax (PT) | State Municipal Levy | − ₹200 | − ₹2,400 |
| − Income Tax (TDS) | New Regime (Standard deduction ₹75,000) | − ₹4,647 | − ₹55,768 |
| = Net Take-Home (In-Hand) | Credited directly to Bank Account | ₹80,749 | ₹9,68,986 |
New Regime vs Old Regime Comparison
See which tax regime leaves more money in your pocket.
| Parameter | New Tax Regime | Old Tax Regime | Difference |
|---|---|---|---|
| Standard Deduction | ₹75,000 | ₹50,000 | + ₹25,000 |
| Taxable Income | ₹10,24,154 | ₹9,77,154 | - |
| Total Tax Payable | ₹55,768 | ₹1,12,248 | Save ₹56,480 |
| Monthly In-Hand | ₹80,749 | ₹76,042 | Optimal: New Regime |
Plan Your Next Financial Milestone
Contextual projections modeled directly on your monthly take-home salary.
Home Loan Affordability
Based on your take-home, you could qualify for up to ₹46 Lakhs in home loan. See how prepaying saves ₹10L+ interest.
Step-Up SIP Compounder
Investing 20% (₹16,150/mo) with a 10% annual increment can build long-term financial independence.
Salary Hike & Appraisal
Evaluating a 20%, 30%, or 50% job offer jump? Find out exactly how much net cash increases in your bank account after tax.
Browse In-Hand Salary by CTC (Slabs)
Explore pre-computed take-home salary and tax audit sheets across all common LPA packages.
How In-Hand Salary Works in India (CTC vs In-Hand)
When receiving a job offer in India, the figure mentioned on the offer letter is the Cost to Company (CTC). However, what actually hits your bank account every month is the In-Hand (Net Take-Home) Salary.
1. Employer Deductions
Included in CTC but subtracted before calculating gross: Employer PF (12% of basic) and Gratuity (approx 4.81% of basic).
2. Employee Deductions
Subtracted from your monthly gross pay: Employee PF (12% of basic) and State Professional Tax (typically ₹200/month).
3. Income Tax (TDS)
Tax deducted by the employer based on your chosen regime (New vs Old) after factoring in the standard deduction and rebates.
New Tax Regime Slabs (FY 2025–26 & FY 2026–27)
| Income Slab | Tax Rate | Key Provisions |
|---|---|---|
| Up to ₹3,00,000 | Nil (0%) | Basic Exemption Limit |
| ₹3,00,001 to ₹7,00,000 | 5% | 100% Tax Rebate under §87A (Effective 0 tax) |
| ₹7,00,001 to ₹10,00,000 | 10% | Marginal relief applicable between 7L and 7.27L |
| ₹10,00,001 to ₹12,00,000 | 15% | Standard Deduction ₹75,000 applied first |
| ₹12,00,001 to ₹15,00,000 | 20% | Lower than Old Regime 30% slab |
| Above ₹15,00,000 | 30% | + Surcharge (if income > 50 Lakhs) + 4% Cess |