CTC to In-Hand Salary Calculator (FY 2026-27)
India's most accurate take-home salary calculator. New and old regime, EPF, HRA, professional tax by state, and Section 87A rebate with marginal relief — all computed instantly.
Annual CTC (Cost to Company)
₹
Tax Regime (FY 2026-27)
Zero tax up to ₹12.75L gross · Standard deduction ₹75,000
Basic Salary(40% of CTC · ₹4,00,000/yr)
City Type (HRA calculation)
EPF Type
State (Professional Tax)
Monthly In-Hand Salary
₹78,130
₹9,37,560/yr · 0.0% effective tax rate
New regime saves ₹36,412/year (₹3,034 more per month)
Where Your CTC Goes
Take-home
EPF
Tax
Prof Tax
Employer EPF
Gratuity
Gross CTC
₹10,00,000/yr
Basic (40%)
₹4,00,000/yr
HRA (50% of basic)
₹2,00,000/yr
Special Allowance
₹3,59,160/yr
Employer EPF (in CTC, not received)
−₹21,600/yr
Gratuity (in CTC, not received)
−₹19,240/yr
Gross Salary
₹9,59,160/yr
Employee EPF
−₹21,600/yr
Income Tax (TDS)✓ Zero — 87A rebate
Taxable: ₹8,84,160 · New regime
−₹0/yr
MONTHLY TAKE-HOME
₹9,37,560/yr
₹78,130
In-Hand Salary for Common CTC Values
FY 2026-27 · 40% basic · EPF capped · Maharashtra professional tax · metro HRA. Old regime assumes ₹20,000/month rent + ₹50,000 additional 80C + ₹25,000 health insurance.
| Annual CTC | Monthly Gross | New Regime Take-Home | Old Regime Take-Home | Tax (New) |
|---|---|---|---|---|
| ₹5 LPA | ₹39,065 | ₹37,057Zero tax | ₹37,057 | New: +₹0/yr |
| ₹6 LPA | ₹47,238 | ₹45,230Zero tax | ₹45,230 | New: +₹0/yr |
| ₹7 LPA | ₹55,411 | ₹53,403Zero tax | ₹53,403 | New: +₹0/yr |
| ₹8 LPA | ₹63,584 | ₹61,576Zero tax | ₹61,576 | New: +₹0/yr |
| ₹10 LPA | ₹79,930 | ₹77,922Zero tax | ₹74,931 | New: +₹35,892/yr |
| ₹12 LPA | ₹96,276 | ₹94,268Zero tax | ₹87,738 | New: +₹78,356/yr |
| ₹15 LPA | ₹1,20,795 | ₹1,11,318 | ₹1,05,905 | New: +₹64,949/yr |
| ₹18 LPA | ₹1,45,314 | ₹1,31,714 | ₹1,22,462 | New: +₹1,11,016/yr |
| ₹20 LPA | ₹1,61,660 | ₹1,44,660 | ₹1,33,500 | New: +₹1,33,913/yr |
| ₹25 LPA | ₹2,02,525 | ₹1,75,485 | ₹1,61,096 | New: +₹1,72,676/yr |
| ₹30 LPA | ₹2,43,390 | ₹2,03,794 | ₹1,88,691 | New: +₹1,81,241/yr |
| ₹40 LPA | ₹3,25,120 | ₹2,60,024 | ₹2,43,881 | New: +₹1,93,721/yr |
| ₹50 LPA | ₹4,06,850 | ₹3,16,255 | ₹2,99,071 | New: +₹2,06,201/yr |
What's Inside Your CTC?
CTC (Cost to Company) is not your salary — it includes everything the employer spends on you. Here's where each rupee actually goes.
Basic Salary
40–50% of CTC
Drives EPF, HRA, and gratuity. The anchor of every salary structure.
HRA (House Rent Allowance)
20–25% of CTC
Partly tax-exempt in old regime when you pay rent. 50% of basic in metros, 40% elsewhere.
Special Allowance
20–30% of CTC
Fully taxable. Absorbs whatever's left after all other components.
Employer EPF
3–5% of CTC
12% of basic (or ₹1,800/mo cap). Part of CTC but never touches your salary account.
Gratuity
1–2% of CTC
4.81% of basic. Paid as lump sum after 5+ years. Part of CTC, not monthly income.
Why ₹10L CTC gives ₹75,000/month take-home (not ₹83,000)
Employer EPF (₹21,600/yr) + Gratuity (₹19,200/yr) = ₹40,800 that never reaches your account. From gross (₹9.59L): Employee EPF (₹21,600) + zero income tax (87A rebate) = ₹24,100 more off. Take-home: ₹9.35L/yr = ₹77,900/month. The gap between CTC and take-home narrows significantly below ₹12.75L — income tax is zero.
New Regime vs Old Regime: FY 2026-27
New regime is the default from FY 2024-25. For most Indian salaries below ₹20L, it wins.
| Feature | New Regime (Default) | Old Regime |
|---|---|---|
| Standard Deduction | ₹75,000 | ₹50,000 |
| Tax-free gross salary | ₹12.75L (salaried) | ~₹5.5L (basic deductions) |
| 87A Rebate | ₹60,000 (for income ≤ ₹12L) | ₹12,500 (for income ≤ ₹5L) |
| HRA Exemption | ❌ Not available | ✓ Available if rent is paid |
| 80C Deduction | ❌ Not available | ✓ Up to ₹1,50,000 |
| 80D Health Insurance | ❌ Not available | ✓ Up to ₹25,000–₹50,000 |
| Home Loan Interest (24b) | ❌ Not available | ✓ Up to ₹2,00,000 |
| Better for | Most salaried employees | High earners with large deductions |
Income Tax Slabs FY 2026-27 (AY 2027-28)
Budget 2026 retained all slabs unchanged.
New Regime (Default)
Up to ₹4L
Nil
₹4L – ₹8L
5%
₹8L – ₹12L
10%
₹12L – ₹16L
15%
₹16L – ₹20L
20%
₹20L – ₹24L
25%
Above ₹24L
30%
✓ Zero tax up to ₹12.75L gross (SD ₹75K + 87A rebate)
Old Regime
Up to ₹2.5L
Nil
₹2.5L – ₹5L
5%
₹5L – ₹10L
20%
Above ₹10L
30%
80C (₹1.5L) + HRA + 80D available. Wins when deductions > ₹3.5L.
4% Health & Education Cess on tax + surcharge. Surcharge applies above ₹50L income.
Frequently Asked Questions
Real answers to the most searched salary questions in India
What is the in-hand salary for 8 LPA CTC?
For ₹8 LPA CTC under the new tax regime (FY 2026-27), with 40% basic and EPF capped at ₹15,000: monthly take-home is approximately ₹57,000–₹59,000. Taxable income (₹8L gross minus ₹75K standard deduction = ₹7.25L) is below the ₹12L Section 87A rebate limit, so income tax is zero. Only EPF (≈₹1,800/month) and professional tax (if applicable) are deducted.
What is in-hand salary for 10 LPA CTC?
For ₹10 LPA CTC under the new regime: gross salary ≈ ₹9.59L. Taxable income ≈ ₹8.84L (below ₹12L). Income tax = ₹0. Monthly take-home is approximately ₹75,000–₹77,000 — only EPF and professional tax are deducted.
What is in-hand salary for 12 LPA CTC?
For ₹12 LPA CTC: gross ≈ ₹11.51L, taxable ≈ ₹10.76L (below ₹12L). Income tax = ₹0 due to 87A rebate. Monthly take-home ≈ ₹89,000–₹91,000. ₹12L is a sweet spot — still zero tax territory.
Why is my take-home salary less than CTC?
CTC includes Employer EPF (12% of basic) and Employer Gratuity (~4.81% of basic) — both go into your PF account or are paid as a lump sum after 5 years. From your gross salary, Employee EPF (12% of basic), Professional Tax (up to ₹2,500/year), and TDS are deducted. Typical difference: 20–35% of CTC.
New regime vs old regime: which is better in FY 2026-27?
For most salaried Indians, the new regime gives higher take-home. Zero tax up to ₹12.75L gross salary; lower slabs above that. Old regime wins only when total deductions (80C + HRA + 80D + home loan) exceed ~₹3.5–5L. Use the calculator above to compare both.
Is EPF deducted from CTC or in addition to it?
Employer EPF (12% of basic) is included in your CTC — it goes to your EPF account, not your salary. Employee EPF (12% of basic) is deducted from your gross salary each month. Both reduce your monthly take-home, but only the employee share is a fresh deduction from your gross.
What is the standard deduction for FY 2026-27?
₹75,000 under the new regime and ₹50,000 under the old regime. It's a flat deduction for all salaried individuals — no proof needed. Combined with the ₹60,000 Section 87A rebate, salaried employees with gross salary up to ₹12.75L pay zero income tax under the new regime.
Which states don't have professional tax?
Delhi, Haryana, Uttar Pradesh, Rajasthan, Punjab, Gujarat, Himachal Pradesh, and most North-Eastern states have no professional tax. States with PT: Maharashtra (₹2,500/yr), Karnataka (₹2,500/yr), Telangana (₹2,400/yr), Tamil Nadu (₹1,250/yr), West Bengal (₹2,500/yr).
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