Decision calculator
CTC to Take-home Calculator
Estimate monthly in-hand salary from CTC for FY 2026–27 with PF, professional tax, surcharge, and 87A relief, plus an old vs new regime comparison.
Modeled result
Calculating…
Results update as you change the inputs.
Methodology and assumptions
Gross salary = CTC − employer-only costs. Employee PF = 12% of basic (optionally capped at the ₹15,000 monthly wage ceiling). Take-home = gross − income tax − employee PF − professional tax and other deductions. Tax uses FY 2026–27 resident individual (under 60) slabs, which Budget 2026 left unchanged: new regime with ₹75,000 standard deduction, ₹60,000 Section 87A rebate up to ₹12 lakh with marginal relief; old regime with ₹50,000 standard deduction, professional tax, your deductions, and ₹12,500 rebate up to ₹5 lakh. Surcharge (10%/15%/25%, plus 37% above ₹5 crore in the old regime) applies with marginal relief, then 4% cess. Special-rate income, perquisites, and employer NPS are excluded.
Currency outputs are rounded to the nearest minor currency unit.
Pricing last verified:
Frequently Asked Questions
What does the CTC to Take-home Calculator calculate?
Estimate monthly in-hand salary from CTC for FY 2026–27 with PF, professional tax, surcharge, and 87A relief, plus an old vs new regime comparison.
How accurate is the CTC to Take-home Calculator?
It is a planning estimate based on the inputs, formula, assumptions, and sources shown on this page. Actual prices, invoices, taxes, discounts, and outcomes can differ.
Which pricing source does the CTC to Take-home Calculator use?
The calculator links to Income Tax Department of India slab rates as its official source. The displayed pricing or reference data was last verified on 2026-10-01.
Are calculator inputs saved or sent to analytics?
Inputs are processed in your browser. Calculator values are not included in analytics events.