Salary / Take-Home Calculator

What actually lands in your account from your CTC?

Annual CTC₹

Basic salary (% of CTC)%

Employer NPS (optional, % of basic, 80CCD(2))%

Professional tax applies?

Monthly take-home

₹0

Annual take-home

₹0

Gross salary

₹0

CTC minus employer PF & gratuity provision

Income tax + cess

₹0

new regime, with Section 87A rebate

Total PF (yours + employer's)

₹0

building in your EPF account

Where your CTC actually goes

New tax regime (default since FY2023-24) for FY2026-27: ₹75,000 standard deduction, slabs 0-4L nil / 4-8L 5% / 8-12L 10% / 12-16L 15% / 16-20L 20% / 20-24L 25% / above 24L 30%, Section 87A rebate up to ₹60,000 (income up to ₹12L effectively tax-free) with marginal relief just above that line, plus 4% cess. Employee PF is 12% of basic capped at the ₹15,000/month wage ceiling (some employers apply it to full basic instead — check your payslip). Employer PF and a standard gratuity provision (~4.81% of basic) are part of CTC but never reach your account. Professional tax is state-specific and capped at ₹2,500/year in most states — this estimates that cap.

This is an illustrative estimate, not a payslip — actual structuring (HRA, LTA, bonus timing, exact employer PF policy) varies by company and can shift the real number.

What to work out next

HRA Exemption Calculator

Work out how much of your HRA is tax-exempt.

ELSS Calculator

80C saving, three-year lock-in, and the LTCG bill on exit.

Capital Gains Tax Calculator

Equity, debt funds, property, gold - the tax before you sell.

Advance Tax Calculator

Your quarterly installment schedule, and what missing it costs.

Income Tax Calculator

Compare the old and new tax regimes side by side.

GST Calculator

Add or remove GST from any price instantly.

Frequently asked questions

Should I choose the old tax regime or the new one?

It depends on how many deductions and exemptions you actually claim (80C, HRA, home loan interest, and similar). If your eligible deductions are substantial, the old regime often works out cheaper; if you claim few or none, the new regime's lower slab rates usually win. Compare both using your real numbers rather than assuming -- this calculator does that comparison directly.Read more: Rent in the City, Buy Farmland, Pay No Tax: The Advice That Raises Your Tax Bill

What counts as a tax-saving investment?

Under the old regime, Section 80C covers instruments like PPF, ELSS mutual funds, EPF, life insurance premiums, and 5-year tax-saving FDs, up to the annual 80C cap. The new regime doesn't offer most of these deductions, which is the core trade-off between the two regimes.Read more: Tax Deferment Techniques in India: What the Wealthy Use and Nobody Teaches You

How is capital gains tax calculated on mutual funds/stocks?

It depends on the holding period and asset type. Equity held over 12 months is taxed as long-term capital gains (with an annual exemption threshold); held less than 12 months, it's short-term and taxed differently. Debt funds follow their own, separate rules. Always check the current thresholds, since these are periodically revised.Read more: A ULIP Is an Investment Fund Wearing an Insurance Costume — Here’s Every Charge

What is TDS and when does it apply?

TDS (Tax Deducted at Source) is income tax deducted upfront by whoever pays you -- an employer, a bank paying FD interest above a threshold, and similar -- and deposited with the tax department on your behalf. It's an advance payment toward your total tax liability, not an extra tax, and is adjusted when you file your return.Read more: Rent in the City, Buy Farmland, Pay No Tax: The Advice That Raises Your Tax Bill

Estimates only, not financial advice. See our Disclaimer.