Free Tool · FY 2025-26 (AY 2026-27)

India Take-Home Salary Calculator

Turn your CTC into in-hand salary — Basic, HRA and special allowance breakup, EPF, professional tax, and income tax under both the new and old tax regimes. Everything updates as you type — nothing is sent anywhere.

Your CTC

Annual CTC (Cost to Company)

₹

Show take-home pay

Salary structure

Basic pay

% of CTC

House Rent Allowance (HRA)

% of Basic

City type

Metro Non-metro

Metro = Delhi, Mumbai, Kolkata or Chennai. Used for the HRA exemption limit under the old regime.

EPF & professional tax

Cap EPF wages at ₹15,000/month (statutory default)

Both you and your employer contribute 12% of Basic to EPF. Uncheck this if your company contributes 12% of your full Basic instead of the statutory-capped wage.

Professional tax

₹

Per year — varies by state.

Tax regime

New regime Old regime

Default regime since FY 2023-24. ₹75,000 standard deduction, and tax is nil up to ₹12,00,000 taxable income after rebate.

Estimated take-home pay

₹0

per month

Take-home Income tax EPF + PT

Gross salary	₹0
Employee EPF	₹0
Professional tax	₹0
Income tax + cess	₹0
Net pay (annual)	₹0

CTC breakup & annual snapshot

Basic pay	₹0
HRA	₹0
Special allowance	₹0
Employer EPF contribution	₹0
Gratuity provision	₹0
Taxable income	₹0
Income tax + cess	₹0
Net (take-home)	₹0
Effective tax rate (on CTC)	0%

Estimate only — not tax advice. Uses FY 2025-26 (AY 2026-27) slabs. New-regime tax includes the Section 87A rebate and marginal relief around ₹12,00,000 taxable income; old-regime tax includes the Section 87A rebate up to ₹5,00,000 with no marginal relief, as per law. Professional tax rates vary by state and this tool does not look them up automatically. Gratuity is shown for reference only and is not part of monthly take-home. Does not model perquisites, NPS employer contribution, or surcharge on very high incomes. Check your payslip or a tax adviser for exact numbers.

Calculations run entirely in your browser. No data is collected or transmitted.