Enter your annual CTC to estimate your monthly in-hand salary after PF and income tax, and compare the new and old tax regimes.
Check your offer letter or payslip. Employers structure pay differently.
FY 2026-27 rules
12% of basic salary
Annual in-hand take-home
₹12,36,540
Estimate only. Your employer's salary structure decides actual payslip figures.
These tools use the numbers you entered above.
| Component | Monthly | Annual |
|---|---|---|
| Gross salary | ₹1,17,500 | ₹14,10,000 |
| Employee PF | −₹7,500 | −₹90,000 |
| Income tax (TDS) | −₹6,955 | −₹83,460 |
| Net in-hand take-home | ₹1,03,045 | ₹12,36,540 |
In-hand salary, also called take-home pay, is the money that reaches your bank account each month. It is lower than your CTC (cost to company) because CTC includes items you never receive as monthly cash, such as the employer's PF contribution, and because tax and your own PF are deducted before you are paid.
Enter your annual CTC from your offer letter or compensation review.
Adjust your basic salary percentage (default 50%). Your payslip shows the exact ratio.
Choose New Regime (default) or Old Regime (add HRA, rent and 80C deductions).
See monthly in-hand salary, annual tax, employee & employer PF instantly.
1. PF: Employee PF = 12% of basic salary. Employer contributes matching 12% which is part of your CTC. 2. Gross Salary = CTC − Employer PF. 3. Taxable Income: Standard deduction of ₹75,000 subtracted under New Regime (or ₹50k + HRA + 80C in Old Regime). 4. Income Tax computed on FY 2026-27 slabs + 4% health and education cess. 5. Monthly In-hand = (Gross Salary − Employee PF − Income Tax − Professional Tax) ÷ 12.
The revised tax slabs with ₹75,000 standard deduction and Section 87A rebate.
| Taxable Income Slab | Tax Rate |
|---|---|
| Up to ₹4,00,000 | Nil |
| ₹4,00,001 to ₹8,00,000 | 5% |
| ₹8,00,001 to ₹12,00,000 | 10% |
| ₹12,00,001 to ₹16,00,000 | 15% |
| ₹16,00,001 to ₹20,00,000 | 20% |
| ₹20,00,001 to ₹24,00,000 | 25% |
| Above ₹24,00,000 | 30% |
Section 87A Tax Rebate Benefit:
Resident individuals with taxable income up to ₹12 lakh receive a tax rebate of up to ₹60,000, reducing tax payable to zero. Coupled with the ₹75,000 standard deduction, salaried employees earning up to ₹12.75 lakh pay zero income tax! Above ₹12 lakh, marginal relief applies so tax payable doesn't exceed income in excess of ₹12 lakh.
Key levers that decide how much of your CTC lands in your bank account.
PF is 12% of basic. A higher basic means higher retirement savings but lowers monthly cash in hand.
New regime features wider tax slabs and ₹75k standard deduction. Old regime benefits those with heavy HRA and 80C investments.
If part of your CTC is an annual performance bonus, regular monthly take-home will be lower than CTC ÷ 12.
Allowances, gratuity inclusion, and voluntary PF schemes vary widely between employers for the same CTC.
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