In-hand salary calculator
Turn your yearly CTC into an estimate of monthly take-home, with income tax under both regimes for FY 2026-27. Nothing is saved.
How it works
We take your CTC, remove the employer PF, gratuity and other items that are in the CTC but never reach your bank account, then work out income tax under the new and the old regime and show whichever leaves you more.
Enter your CTC and press Calculate.
This is an estimate, not tax advice. Rates used are for FY 2026-27 and were checked on 29 Oct 2026: new regime with ₹75,000 standard deduction and 87A rebate up to ₹12 lakh of taxable income; old regime with ₹50,000 standard deduction; 4% cess; surcharge capped at 25%. It does not model HRA rules, bonuses paid in other months, arrears, other income, or state rules for professional tax. Your payslip and employer are the final word; confirm on the Income Tax Department site. See our disclaimer.