Salary / Take-Home Calculator
What actually lands in your account from your CTC?
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.