India in-hand salary calculator FY 2026–27

CTC to in-hand: income tax under the new or old regime, employee PF and professional tax, with the FY 2026–27 slabs. A ₹10 lakh salary gives about ₹78,133 in hand per month under the new regime (₹0 tax a year) versus ₹71,892 under the old regime with full 80C.

Your pay

Gross salary (CTC minus employer PF)
₹
Tax regime
Basic salary (% of gross)
Professional tax / yr
Old-regime deductions
80C (incl. PF, max 1.5L)
HRA exempt / other

FY 2026–27 (AY 2027–28): new regime slabs 0–30%, ₹75,000 standard deduction, zero tax up to ₹12 lakh taxable income (rebate), 4% cess. Old regime: ₹50,000 standard deduction, 80C, HRA.

In-hand salary

93.8%Take-home
₹78,133
in-hand salary a month
from a gross of ₹83,333
Effective tax rate 0.2%Marginal rate 10.4%Total deductions ₹2,400
Professional tax 0.2%Deductions 6.0%Take-home 93.8%
LineMonthlyYearly
Gross pay₹83,333₹10,00,000
Employee PF (12% of basic)−₹5,000−₹60,000
Professional tax−₹200−₹2,400
In-hand salary₹78,133₹9,37,600

In-hand salary by CTC: new vs old regime

SalaryTax (new)In-hand / month (new)Tax (old, 80C 1.5L)In-hand / month (old)
₹3 lakh₹0₹23,300₹0₹23,300
₹4 lakh₹0₹31,133₹0₹31,133
₹5 lakh₹0₹38,967₹0₹38,967
₹6 lakh₹0₹46,800₹0₹46,800
₹7 lakh₹0₹54,633₹0₹54,633
₹8 lakh₹0₹62,467₹33,301₹59,692
₹9 lakh₹0₹70,300₹54,101₹65,792
₹10 lakh₹0₹78,133₹74,901₹71,892
₹11 lakh₹0₹85,967₹95,701₹77,992
₹12 lakh₹0₹93,800₹1,16,501₹84,092
₹13 lakh₹26,000₹99,467₹1,47,451₹89,346
₹14 lakh₹81,900₹1,02,642₹1,78,651₹94,579
₹15 lakh₹97,500₹1,09,175₹2,09,851₹99,812
₹16 lakh₹1,13,100₹1,15,708₹2,41,051₹1,05,046
₹18 lakh₹1,50,800₹1,28,233₹3,03,451₹1,15,512
₹20 lakh₹1,92,400₹1,40,433₹3,65,851₹1,25,979
₹22 lakh₹2,40,500₹1,52,092₹4,28,251₹1,36,446
₹25 lakh₹3,19,800₹1,68,983₹5,21,851₹1,52,146
₹30 lakh₹4,75,800₹1,95,150₹6,77,851₹1,78,312
₹35 lakh₹6,31,800₹2,21,317₹8,33,851₹2,04,479
₹40 lakh₹7,87,800₹2,47,483₹9,89,851₹2,30,646
₹50 lakh₹10,99,800₹2,99,817₹13,01,851₹2,82,979

Monthly salary to in-hand

₹20,000 per month₹25,000 per month₹30,000 per month₹35,000 per month₹40,000 per month₹45,000 per month₹50,000 per month₹60,000 per month₹70,000 per month₹75,000 per month₹80,000 per month₹90,000 per month₹100,000 per month₹120,000 per month₹150,000 per month₹200,000 per month

Frequently asked

Which regime is better?

For most salaried people without large deductions the new regime wins — it has lower slab rates, a ₹75,000 standard deduction and zero tax up to ₹12 lakh of taxable income. The old regime only wins when 80C, HRA, home-loan interest and other deductions together exceed roughly ₹3.5–4.5 lakh; the table above shows both for every salary.

How is in-hand salary calculated?

Gross salary minus income tax (computed on gross less the standard deduction and, in the old regime, 80C/HRA), minus employee PF (12% of basic, assumed 50% of gross) and professional tax. Employer PF and gratuity are part of CTC but not of gross salary.