Turn your CTC into your real monthly in-hand salary. We account for Basic, employer & employee PF, gratuity, professional tax and income tax (TDS) under your chosen regime.
Old-regime deductions
Your monthly in-hand salary
₹0
Annual take-home ₹0
How this works: Estimate for a resident individual below 60, FY 2026-27 (slabs unchanged from FY 2025-26). Basic is taken as your chosen % of CTC; employer & employee PF at 12% of Basic (optionally capped at the ₹15,000 ceiling); gratuity provisioned at 4.81% of Basic; income tax computed under the selected regime with the standard deduction, §87A rebate, surcharge and 4% cess. Enter your fixed CTC — variable bonuses are paid and taxed separately. Actual figures vary by employer salary structure and state professional tax. This is an educational estimate, not tax advice. Want to know which regime is cheaper? Use our Old vs New Tax Regime Calculator.