What do you actually take home?
Convert your annual CTC into monthly in-hand salary after PF, professional tax and FY 2026-27 income tax. We compare the new and old regimes and show which one wins.
Your take-home breakdown will appear here
Enter your CTC above to see monthly in-hand salary under both tax regimes.
Common questions
What is the difference between CTC and take-home salary?
CTC (cost to company) includes your gross salary plus employer contributions like PF and gratuity. Take-home is what reaches your bank account after employee PF, professional tax and income tax are deducted — usually 75–90% of CTC depending on your salary level and regime.
New tax regime vs old tax regime — which is better?
For most salaried employees without large HRA, home-loan or 80C deductions, the new regime (FY 2026-27) gives a higher take-home, especially with the Section 87A rebate making income up to about ₹12 lakh effectively tax-free. The old regime can win when you pay high rent and claim full deductions. This calculator compares both automatically.
How does PF affect my in-hand salary?
Employee Provident Fund deducts 12% of your basic salary from your monthly pay (your employer contributes a similar amount on top, inside CTC). It lowers today's take-home but builds a retirement corpus earning interest.
Is this calculator accurate?
It gives a close estimate using FY 2026-27 slabs, standard deduction, professional tax and PF. Actual payslips vary with gratuity, bonuses, reimbursements and your company's salary structure. Treat it as guidance, not tax advice.
How this estimate works
We apply FY 2026-27 income-tax slabs with the standard deduction, employee PF at 12% of basic, professional tax and — for the old regime — HRA exemption and a Section 80C deduction. The Section 87A rebate is included where it applies.
This is a directional estimate, not tax advice. Gratuity, variable pay, reimbursements and your company's salary structure can change the exact payslip. Consult a tax professional for filing decisions.