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
Not happy with this number? Your resume might be why.
Check My Resume — Free →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.
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 — 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.
Now make your resume match your salary target
A resume that clears ATS filters is what gets you to the salary range you calculated. Free ATS check, no signup needed.