Salary Calculator (In-Hand Take Home Salary)
Calculate monthly in-hand cash take-home pay from CTC after EPF, Gratuity, Professional Tax, and Income Tax deductions.
Yearly NPS: ₹0 (Max 14% of Basic = ₹84,000)
Annual net in-hand take-home: ₹11.98 L
New Regime gives higher monthly in-hand cash
You take home ₹10,113/mo more under the New Tax Regime.
Itemized Monthly Salary Slip Breakdown
| Salary Component | Annual (Yearly) | Monthly |
|---|---|---|
| Cost to Company (CTC) | ₹12.00 L | ₹1.00 L |
| Basic Salary (50% of CTC) | ₹6.00 L | ₹50,000 |
| Standard Deduction (Already Applied) | −₹75,000 | −₹6,250 |
| Professional Tax (PT) | −₹2,400 | −₹200 |
| Base Income Tax | −₹0 | −₹0 |
| Health & Education Cess (4%) | −₹0 | −₹0 |
| Total Income Tax & Cess | ₹0 | ₹0 |
| Net In-Hand Cash Take-Home | ₹11.98 L | ₹99,800 |
CTC Component & Take-Home Distribution
Visual distribution of Annual CTC across In-Hand Cash, Income Tax, and Provident Fund / Retirals.
Official Sources & References
Income Tax
Compare calculations across closely related financial tools in this category.
Direct Peer & Companion Calculators
6 tools available80C Tax-Saving & Exemption Solutions
Reduce your tax liability to ₹0 with government-backed 80C & 80CCD schemes.
Old vs New Tax Regime Break-Even Point 2026: The Deduction Threshold Chart
Exact deduction break-even thresholds from ₹7.5L to ₹50L CTC, Section 87A rebate rules, and why 90%+ taxpayers benefit from New Regime.
Quick 1-Click Goal & Amount Presets
Long-Tail pSEO Target PresetsAbout the Salary Calculator
This salary calculator helps you estimate your in-hand and take-home salary after all statutory deductions and income tax, for both the old and new tax regimes. It considers standard deduction, PF, EPF, gratuity, professional tax, and employer NPS (for new regime).
How to use: Enter your CTC, select the tax regime, and fill in any applicable deductions. The calculator will show your gross, take-home, and in-hand salary, along with a detailed breakdown.
Tip: If you want to compare your tax and take home under both regimes, try our Old vs New Regime Calculator.
Updated for FY 2026-27 as per latest Budget rules. For more details on tax rules, see the official Income Tax India website.
Income Tax
Compare calculations across closely related financial tools in this category.
Direct Peer & Companion Calculators
6 tools available80C Tax-Saving & Exemption Solutions
Reduce your tax liability to ₹0 with government-backed 80C & 80CCD schemes.
Old vs New Tax Regime Break-Even Point 2026: The Deduction Threshold Chart
Exact deduction break-even thresholds from ₹7.5L to ₹50L CTC, Section 87A rebate rules, and why 90%+ taxpayers benefit from New Regime.