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Type your CTC and see your monthly in-hand salary for FY 2026-27, new vs old regime, with the full breakup.
Last updated:
The defaults match a common Indian offer letter. Change them to match yours.
| Term | What it means |
|---|---|
| CTC | Total yearly cost to the company: gross pay, employer PF, gratuity, bonus, insurance |
| Gross salary | CTC minus employer PF, gratuity and bonus. Basic + HRA + allowances |
| In-hand (net) salary | Gross minus employee PF, professional tax and income tax. What reaches your bank |
Common CTCs with the new regime. Assumes 50% basic, PF on full basic, gratuity in CTC, Karnataka professional tax, no bonus.
| CTC | In-hand a month (new) | Tax a year (new) | In-hand a month (old) |
|---|---|---|---|
| Rs 3 lakh | Rs 21,399 | Rs 0 | Rs 21,399 |
| Rs 4 lakh | Rs 28,332 | Rs 0 | Rs 28,332 |
| Rs 5 lakh | Rs 35,465 | Rs 0 | Rs 35,465 |
| Rs 6 lakh | Rs 42,598 | Rs 0 | Rs 42,598 |
| Rs 8 lakh | Rs 56,863 | Rs 0 | Rs 53,486 |
| Rs 10 lakh | Rs 71,129 | Rs 0 | Rs 64,784 |
| Rs 12 lakh | Rs 85,395 | Rs 0 | Rs 76,083 |
| Rs 15 lakh | Rs 1,00,308 | Rs 77,832 | Rs 91,024 |
| Rs 18 lakh | Rs 1,18,134 | Rs 1,20,699 | Rs 1,05,746 |
| Rs 20 lakh | Rs 1,29,339 | Rs 1,57,435 | Rs 1,15,561 |
| Rs 25 lakh | Rs 1,56,134 | Rs 2,63,868 | Rs 1,40,099 |
| Rs 30 lakh | Rs 1,80,693 | Rs 3,97,129 | Rs 1,63,856 |
| Rs 40 lakh | Rs 2,28,208 | Rs 6,82,906 | Rs 2,11,370 |
| Rs 50 lakh | Rs 2,75,722 | Rs 9,68,682 | Rs 2,58,885 |
| New regime income | Rate | Old regime income | Rate |
|---|---|---|---|
| Up to Rs 4 lakh | Nil | Up to Rs 2.5 lakh | Nil |
| Rs 4 - 8 lakh | 5% | Rs 2.5 - 5 lakh | 5% |
| Rs 8 - 12 lakh | 10% | Rs 5 - 10 lakh | 20% |
| Rs 12 - 16 lakh | 15% | Above Rs 10 lakh | 30% |
| Rs 16 - 20 lakh | 20% | Standard deduction Rs 50,000. HRA, 80C, 80D, home loan allowed. No tax up to Rs 5 lakh taxable. | |
| Rs 20 - 24 lakh | 25% | ||
| Above Rs 24 lakh | 30% | ||
New regime: standard deduction Rs 75,000 and no tax up to Rs 12 lakh taxable income. Both regimes add 4% health and education cess.
| State | Professional tax (typical salary) |
|---|---|
| Karnataka | Rs 200 a month from Rs 25,000 gross |
| Maharashtra | Rs 200 a month, Rs 300 in February (Rs 2,500 a year) |
| Tamil Nadu | Up to Rs 1,250 every 6 months |
| Telangana, Andhra Pradesh | Rs 200 a month above Rs 20,000 |
| West Bengal | Rs 200 a month above Rs 40,000 |
| Gujarat | Rs 200 a month from Rs 12,000 |
| Delhi, UP, Haryana, Rajasthan, Punjab | No professional tax |
In-hand = CTC minus employer PF, gratuity and yearly bonus (this gives gross salary), then minus employee PF, professional tax and income tax. Divide by 12 for the monthly figure. The calculator does every step and shows the breakup.
About Rs 85,400 a month under the new regime with a common structure (50% basic, PF on full basic, gratuity in CTC, Karnataka professional tax). Income tax is zero because taxable income stays under Rs 12 lakh after the standard deduction.
Yes for tax year 2026-27, if your taxable income is Rs 12 lakh or less you pay no tax because of the Section 87A rebate. For salaried people that means a salary of about Rs 12.75 lakh after the Rs 75,000 standard deduction, before PF and other parts are removed.
The new regime is better for most people now. The old regime wins only if you claim large deductions, like HRA on high rent plus full 80C, 80D and home loan interest. The calculator compares both and marks the better one.
Up to Rs 4 lakh: nil. 4-8 lakh: 5%. 8-12 lakh: 10%. 12-16 lakh: 15%. 16-20 lakh: 20%. 20-24 lakh: 25%. Above 24 lakh: 30%. Plus 4% cess, and no tax up to Rs 12 lakh taxable income.
12% of your basic salary goes from your pay to PF, and your employer adds 12% from the CTC. Some companies cap it at 12% of Rs 25,000 (Rs 3,000 a month), the EPF wage ceiling from 17 September 2026. Pick the option your offer letter uses.
In many companies, yes: about 4.81% of basic is shown in CTC but paid only when you leave after 5 years of service. It is not part of your monthly pay. Untick the box if your offer letter does not include it.
A state tax on salaries, up to Rs 2,500 a year. Karnataka, Maharashtra, Tamil Nadu, Telangana, West Bengal, Gujarat and some other states charge it. Delhi, UP, Haryana, Rajasthan and Punjab do not.
Because CTC includes money you do not get every month: employer PF, gratuity and bonus. Then employee PF, professional tax and income tax are deducted from your gross pay.
No. Variable pay and bonus are usually paid once or twice a year. The calculator shows them separately and spreads only the tax on them across the year.
Yes. If your monthly gross salary is Rs 21,000 or less, it adds employee ESI (0.75%) and employer ESI (3.25%) automatically.
Upar apna saalana CTC daaliye. Calculator PF, professional tax aur income tax kaat kar mahine ki in-hand salary batata hai, new aur old regime dono mein.