India In-Hand Salary Calculator
India · FY 2026-27
What actually reaches your bank account
Enter your gross annual salary to see monthly in-hand pay after employee PF, professional tax and income tax — with the new and old regimes calculated side by side.
Salary In-hand (India)
Monthly gross
₹50,000
Employee PF (monthly)
₹6,000
Taxable annual (computed)
₹5,25,000
Estimated tax (monthly)
₹0
In-hand (monthly)
₹44,000
Old vs New regime comparison
How calculations work
All calculations are performed locally in your browser — we do not call any external APIs or send your data anywhere.
Steps we use to compute the in-hand amount
- Gross annual salary: the value you enter is used as the starting point.
- Employee Provident Fund (PF): calculated as (gross / 12) × PF rate (monthly). Annual employee PF = monthly × 12. Employer PF is not deducted from your in-hand here.
- Standard deduction: by default we prefill ₹50,000 and apply it for the old tax regime only in this simplified model.
- Taxable income: computed as gross − standard deduction (if applicable) − annual employee PF. You can override the taxable annual value using the "Override taxable annual" field if you have other claims or deductions.
- Income tax: applied using the shown slab logic (a simplified public slab model for demonstration). After computing base tax we add health & education cess of 4%.
- Monthly tax: annual tax ÷ 12.
- In-hand (monthly): monthly gross − employee PF − professional tax − monthly tax.
Notes: this tool uses a simplified slab model for demonstration and educational purposes. It does not include optional deductions (e.g., 80C, HRA adjustments, investments) unless you manually change the taxable amount. This is not financial or tax advice — consult a tax professional for personalized calculations.
Why your CTC and your in-hand salary are so different
Cost to company is what your employer spends on you. In-hand salary is what survives four deductions: the employer’s PF contribution (part of CTC but never paid to you in cash), your own employee PF at 12% of basic, professional tax levied by your state, and income tax deducted at source. On a typical structure the gap between CTC and in-hand runs 20–30%, which is why an offer that sounds generous can feel thin in month one.
Employee PF is not lost money — it is your own savings moving into your PF account, and you can see it grow with the EPF calculator. Income tax genuinely leaves.
New regime income tax slabs, FY 2026-27
The new regime is the default. Each slice of income is taxed at its own rate, and a salaried employee first subtracts a standard deduction of ₹75,000.
| Taxable income | Rate |
|---|---|
| Up to ₹4,00,000 | Nil |
| ₹4,00,001 – ₹8,00,000 | 5% |
| ₹8,00,001 – ₹12,00,000 | 10% |
| ₹12,00,001 – ₹16,00,000 | 15% |
| ₹16,00,001 – ₹20,00,000 | 20% |
| ₹20,00,001 – ₹24,00,000 | 25% |
| Above ₹24,00,000 | 30% |
Health and education cess of 4% is added on top of the tax that remains after the section 87A rebate. Source: Income Tax Department, Government of India.
The ₹12 lakh cliff
The section 87A rebate cancels tax of up to ₹60,000 when taxable income is ₹12,00,000 or less. Add the ₹75,000 standard deduction and a salaried employee earning roughly ₹12,75,000 gross can owe nothing at all.
What surprises people is that the rebate is a cliff, not a taper: cross ₹12,00,000 of taxable income and it vanishes completely rather than shrinking. That is why the jump from ₹12,00,000 to ₹13,00,000 of taxable income costs far more than the slab rate alone suggests, and why marginal relief exists to soften it just above the threshold.
Income tax at different salaries
Annual income tax for a salaried employee under each regime, after the applicable standard deduction and including cess. The old-regime column assumes you claim no 80C, HRA or home-loan deductions — with those in full, the old regime narrows the gap and can win at higher salaries.
| Gross salary | Taxable (new) | Tax — new regime | Tax — old regime | Monthly after tax |
|---|---|---|---|---|
| ₹6,00,000 | ₹5,25,000 | ₹0 | ₹23,400 | ₹50,000 |
| ₹9,00,000 | ₹8,25,000 | ₹0 | ₹85,800 | ₹75,000 |
| ₹12,00,000 | ₹11,25,000 | ₹0 | ₹1,63,800 | ₹1,00,000 |
| ₹15,00,000 | ₹14,25,000 | ₹97,500 | ₹2,57,400 | ₹1,16,875 |
| ₹20,00,000 | ₹19,25,000 | ₹1,92,400 | ₹4,13,400 | ₹1,50,633 |
| ₹25,00,000 | ₹24,25,000 | ₹3,19,800 | ₹5,69,400 | ₹1,81,683 |
Monthly figure is gross less income tax only; your actual in-hand is lower once employee PF and professional tax come out. Use the calculator above for that.
Old regime or new regime?
The new regime gives you wider slabs and a bigger standard deduction (₹75,000 against ₹50,000) but takes away almost every deduction. The old regime keeps 80C, employee PF, HRA, home-loan interest and 80D, but taxes you at 20% from ₹5,00,000 and 30% from ₹10,00,000.
The rough rule: if your total deductions are small, the new regime wins comfortably. The old regime only starts to compete when you are genuinely claiming a full ₹1,50,000 of 80C, meaningful HRA, and home-loan interest — which usually means you are paying rent in a metro or servicing a home loan EMI. The calculator shows both, so check yours rather than trusting the rule.
Limitations & disclaimer
This is an estimate, not tax advice. It applies the FY 2026-27 slabs, the standard deduction, the section 87A rebate and 4% cess. It does not model HRA exemption, marginal relief just above the rebate threshold, surcharge on incomes above ₹50,00,000, perquisites, or company-specific allowance structures. Check your Form 16 or ask your payroll team for exact figures.
FAQs
Is salary up to ₹12 lakh really tax-free?
Under the new regime, yes — up to ₹12,00,000 of taxable income. The section 87A rebate wipes out tax of up to ₹60,000 when taxable income does not exceed ₹12 lakh. Because salaried employees also get a ₹75,000 standard deduction, a gross salary of about ₹12.75 lakh can land at zero income tax. One rupee of taxable income above ₹12 lakh and the rebate disappears entirely.
Which regime does this calculator use?
It defaults to the new regime, which is the default regime under the Income Tax Act and the better choice for most salaried people now. You can switch to the old regime to compare. The calculator computes both so you can see the gap.
Does the new regime allow PF and 80C deductions?
No. Under the new regime the only major relief for a salaried employee is the ₹75,000 standard deduction — employee PF, 80C investments, HRA and LTA are not deductible. The old regime allows them, which is why it can still win if your 80C, HRA and home-loan interest deductions are large.
Is the 4% cess included?
Yes. Health and education cess of 4% is applied to the tax remaining after the section 87A rebate, exactly as the Income Tax Department computes it.
Does this include HRA exemption?
No. HRA exemption depends on your rent, your basic pay and your city, so it is not modelled here. It only matters under the old regime; the new regime does not allow it. If you claim HRA, subtract the exempt amount from your gross before comparing regimes.
Is professional tax included?
You can enter it. Professional tax is levied by states, not the centre, and caps at ₹2,500 a year — Maharashtra, Karnataka, West Bengal and Tamil Nadu charge it, while Delhi, Haryana and Uttar Pradesh do not.