Take-home Salary Calculator
Break your annual CTC into in-hand salary after EPF, professional tax, and income tax (new regime, FY 2026-27).
Assumes employer EPF = 12% of basic (part of CTC), professional tax ₹2,400/yr, and new-regime income tax.
Monthly In-hand
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Annual In-hand
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Your EPF / yr
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Income Tax / yr
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How the take-home calculator works
Enter your annual CTC and the share that is basic salary. The calculator removes the employer's EPF contribution to find your gross pay, then deducts your own EPF (12% of basic), professional tax, and estimated income tax to arrive at your in-hand salary.
Structure matters
A higher basic means more forced retirement saving via EPF and a larger HRA base, but lower immediate take-home. A lower basic boosts cash now at the cost of long-term EPF. There's no single right answer — this tool helps you see the trade-off before you sign.
Frequently Asked Questions
What is the difference between CTC and in-hand salary?
CTC (Cost to Company) is the total the employer spends on you, including employer EPF, gratuity provision, and benefits. In-hand salary is what reaches your bank after deducting EPF, professional tax, and income tax. In-hand is typically 70–85% of CTC.
What deductions reduce my take-home?
The main ones are your EPF contribution (12% of basic), professional tax (up to ₹2,500/year, state-dependent), and TDS on income tax. Employer EPF and gratuity are part of CTC but don't come from your take-home.
How is the tax estimated here?
This calculator uses the new-regime slabs for FY 2026-27 with the ₹75,000 standard deduction and Section 87A rebate (nil tax up to ₹12 lakh taxable). It is a simplified estimate — your actual tax depends on declarations and the regime you choose.
Why is my in-hand lower than expected?
A high basic increases EPF deductions (good for retirement, lower take-home now). Special allowances are fully taxable. Use this to understand the trade-offs before negotiating a salary structure.
Disclaimer: This calculator produces illustrative estimates only. Actual returns vary and, unless stated otherwise, results exclude expense ratios, exit loads, transaction costs, and taxes. Assumed rates are inputs, not forecasts or assured returns. This is educational content, not personalized investment advice — see our full disclaimer.