FY 2026-27 · Zero tax up to ₹12.75L

Take Home Salary Calculator India (FY 2026-27)

Enter your salary and see exactly how much reaches your bank account, after income tax, EPF, and state professional tax. New regime and old regime, instantly compared.

Salary Input Mode

Annual Salary (₹)

₹

Tax Regime (FY 2026-27)

Zero tax up to ₹12.75L · Standard deduction ₹75,000

State (Professional Tax)

Monthly Take-Home Salary

₹78,130

₹9,37,560/yr · 0.0% effective tax rate

New regime saves ₹36,412/year (₹3,034 more per month)

Annual Salary (Gross)

₹10,00,000/yr

Employee EPF

−₹21,600/yr

Income Tax (TDS)✓ Zero, 87A rebate

Taxable: ₹8,84,160 · New regime · SD ₹75,000

−₹0/yr

MONTHLY TAKE-HOME

₹9,37,560/yr

₹78,130

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Monthly take-home for common salary values

FY 2026-27 · 40% basic · EPF capped at ₹1,800/month · Maharashtra PT · Metro HRA. Old regime assumes ₹20,000/month rent + ₹50,000 additional 80C + ₹25,000 health insurance.

Annual Salary	New Regime Take-Home	Old Regime Take-Home	Income Tax (New)
₹5 LPA	₹37,057/moZero tax	₹37,057/mo	₹0 (87A rebate)
₹6 LPA	₹45,230/moZero tax	₹45,230/mo	₹0 (87A rebate)
₹7 LPA	₹53,403/moZero tax	₹53,403/mo	₹0 (87A rebate)
₹8 LPA	₹61,576/moZero tax	₹61,576/mo	₹0 (87A rebate)
₹10 LPA	₹77,922/moZero tax	₹74,931/mo	₹0 (87A rebate)
₹12 LPA	₹94,268/moZero tax	₹87,738/mo	₹0 (87A rebate)
₹15 LPA	₹1,11,318/mo	₹1,05,905/mo	₹89,628/yr
₹18 LPA	₹1,31,714/mo	₹1,22,462/mo	₹1,39,104/yr
₹20 LPA	₹1,44,660/mo	₹1,33,500/mo	₹1,79,903/yr
₹25 LPA	₹1,75,485/mo	₹1,61,096/mo	₹3,00,378/yr
₹30 LPA	₹2,03,794/mo	₹1,88,691/mo	₹4,51,052/yr
₹40 LPA	₹2,60,024/mo	₹2,43,881/mo	₹7,57,049/yr
₹50 LPA	₹3,16,255/mo	₹2,99,071/mo	₹10,63,046/yr

How the calculator works

Three inputs. One exact answer.

Enter your salary

Annual CTC, gross salary, or monthly amount. We accept all formats. Use the quick presets for common values.

We apply all deductions

EPF (12% of basic), Professional Tax by state, and income tax under your chosen regime. FY 2026-27 slabs with 87A rebate.

See your exact take-home

Monthly and annual take-home in real time. Compare new vs old regime to find which saves you more.

Why the zero-tax limit is ₹12.75L (not ₹12L)

The ₹12L 87A rebate applies to net taxable income. Salaried employees subtract the ₹75,000 standard deduction first, so gross salary up to ₹12,75,000 results in taxable income of exactly ₹12L, keeping tax at zero. Above ₹12.75L, income tax applies on the amount exceeding ₹12L with marginal relief.

Questions

Frequently asked questions

Answers to the most searched salary questions in India.

What is take-home salary?

Take-home salary (also called in-hand or net salary) is the amount credited to your bank account each month after all deductions, including income tax (TDS), Employee EPF (12% of basic), and Professional Tax (up to ₹2,500/year by state). It is always lower than your gross salary.

How much tax do I pay on ₹10 lakh salary?

On ₹10 lakh annual salary under the new regime (FY 2026-27): taxable income = ₹10L − ₹75,000 SD = ₹9.25L. Since taxable income is below ₹12L, income tax = ₹0 (87A rebate). You only pay Employee EPF + Professional Tax. Monthly take-home ≈ ₹79,000–₹81,000.

Is there zero tax up to ₹12.75 lakh salary?

Yes. Under new regime FY 2026-27, salaried employees with gross salary ≤ ₹12.75L pay zero income tax. The ₹75,000 standard deduction brings taxable income to ₹12L, and the Section 87A rebate (up to ₹60,000) eliminates the liability. Above ₹12.75L, marginal relief applies briefly.

What is EPF and how much is deducted from salary?

EPF (Employee Provident Fund) is mandatory retirement savings. 12% of your basic salary is deducted monthly. Most companies cap basic at ₹15,000/month for EPF = ₹1,800/month deduction. Your employer also contributes 12% (included in your CTC). EPF balance earns 8.25% interest and is paid out on retirement or job switch.

New regime vs old regime, which gives higher take-home?

For most salaried employees, the new regime gives higher take-home in FY 2026-27. Zero tax up to ₹12.75L and lower slabs above. Old regime wins only when total deductions (HRA + 80C + 80D + home loan) exceed ₹3.5–5 lakh. Use the calculator above to compare both.

How is professional tax calculated?

Professional tax varies by state: Maharashtra, Karnataka, West Bengal, MP: ₹2,500/year. Telangana, AP, Kerala: ₹2,400/year. Tamil Nadu: ₹1,250/year. Delhi, Haryana, Gujarat, UP, Rajasthan: no professional tax.

Why is my take-home less than gross salary?

From your gross salary, three items are deducted: (1) Employee EPF: 12% of basic (retirement savings); (2) Professional Tax: ₹0–₹2,500/year by state; (3) Income Tax (TDS). The gap is typically 10–25% for salaries under ₹15L in the new regime.

How to increase take-home salary legally?

To increase take-home: choose new regime if deductions are under ₹3L; maximize 80C, HRA, 80D in old regime; ask employer to add NPS contribution under 80CCD(2). It is exempt even in new regime; opt for EPF cap at ₹1,800/month; restructure with LTA or food coupons.

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