FY 2026-27 · Budget 2026 Updated

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 is 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

₹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

₹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.

Questions

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 to ₹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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