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In-Hand Salary Calculator (2026-27) - Calculate Take Home Pay from CTC

Calculate your monthly take-home salary from annual CTC under the New Tax Regime (Budget 2026) and Old Tax Regime. Instant breakdown of PF, Tax & Deductions.

CTC & Salary Structure Inputs

₹12,00,000
Basic Salary (% of CTC)40%
Annual Bonus / Variable (₹)
💵 Net Monthly In-Hand (Take-Home) Salary

₹76,994/ month

Annual In-Hand Total: ₹9,23,928

Gross Salary/mo

₹85,503

PF Deduction/mo

₹4,400

Income Tax/mo

₹3,909

🎯 Tax Optimizer Insight

The New Tax Regime (2026-27) gives you higher take-home pay, saving you ₹3,248/year compared to the Old Regime.

Monthly Salary Slip & Deduction Breakdown

Itemized breakdown of earnings vs employee deductions.

💰 Gross Earnings (Monthly)

Basic Salary₹36,667
House Rent Allowance (HRA)₹18,333
Special & Other Allowances₹30,503
Total Gross Monthly₹85,503

📉 Deductions (Monthly)

Employee Provident Fund (PF 12%)-₹4,400
Professional Tax (PT)-₹200
Income Tax (TDS - New)-₹3,909
Total Monthly Deductions-₹8,509

Free In-Hand Salary & CTC Breakdown Calculator (2026-27)

Calculate your exact monthly in-hand take-home pay from your annual Cost to Company (CTC). Automatically computes Income Tax under the latest 2026 New Tax Regime vs Old Tax Regime, ₹75,000 Standard Deduction, Employee PF (12%), and Professional Tax.

Quick How-To Guide

  1. 1Enter your Annual CTC (Cost to Company) in ₹
  2. 2Customize Basic Salary % of CTC (typically 40% to 50%)
  3. 3Select tax regime preference (New Tax Regime vs Old Tax Regime)
  4. 4Optionally enter deductions (Section 80C, 80D, HRA) for Old Regime comparison
  5. 5Review your exact Net Monthly In-Hand Salary and complete deduction breakdown

Why use our tool?

Updated with latest 2026-27 New Tax Regime income tax slabs & ₹75,000 standard deduction
Side-by-side comparison of Take-Home pay in New Tax Regime vs Old Tax Regime
Detailed monthly and annual breakdown of Basic, HRA, Special Allowance, PF, and Tax deductions
Custom bonus / variable pay adjustment option
1-Click Export to CSV and instant print-friendly salary slip view
100% private and confidential

Frequently Asked Questions

Find answers to common questions about using our tool, its features, and how it handles your data privacy.

CTC (Cost to Company) is the total annual expenditure an employer spends on you, including employer PF, gratuity, and insurance. Gross Salary is CTC minus employer contributions. In-Hand (Net) Salary is the actual cash deposited in your bank account after deducting Employee PF, Professional Tax, and Income Tax (TDS).
The standard deduction under the New Tax Regime is ₹75,000 for salaried employees and pensioners. In addition, total income up to ₹7,75,000 (after standard deduction) has zero effective tax liability due to Section 87A rebate.
Employee PF is mandatory at 12% of your monthly Basic Salary + DA. A matching 12% is contributed by the employer (often part of your total CTC package).

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