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Free Tools

In-Hand Salary Calculator

Enter your CTC and instantly see your exact monthly take-home for FY 2026-27 — with EPF, professional tax, and income tax calculated in real time.

Your salary details
₹
₹10 LPA
₹1 LPA₹1 Crore
₹

Incentives, performance bonus or any variable component. Fully taxable; excluded from EPF and gratuity calculation.

City type affects HRA exemption, which is only available in the old regime.

Estimated monthly take-home
₹0
Annual take-home  ·  ₹0
Effective tax rate
0%
CTC to in-hand
0%
Taxable income
₹0
Salary composition
Detailed breakdown (annual)
Fixed CTC—
Less: Employer EPF—
Less: Gratuity provision—
Gross salary—
Less: Employee EPF—
Less: Professional tax—
Less: Income tax (TDS) New—
Annual in-hand salary—

Gross salary = Fixed CTC minus Employer EPF (12% of basic, capped at ₹3,000/month) and Gratuity (4.81% of basic annually), plus any variable or bonus pay.

In-hand salary = Gross minus Employee EPF, Professional Tax (state-specific, max ₹2,500/year), and Income Tax (TDS).

New regime: Standard deduction ₹75,000. Zero tax if taxable income ≤ ₹12L (Section 87A rebate of ₹60,000). Slabs: 0–4L nil, 4–8L 5%, 8–12L 10%, 12–16L 15%, 16–20L 20%, 20–24L 25%, above 24L 30%.

Old regime: Standard deduction ₹50,000. HRA exemption, 80C (up to ₹1.5L), 80D, and home loan interest available. Slabs: 0–2.5L nil, 2.5–5L 5%, 5–10L 20%, above 10L 30%.

Basic salary assumed at 40% of fixed CTC. EPF wage ceiling: ₹25,000/month basic (effective 17 Sep 2026). Variable pay is fully taxable and excluded from EPF and gratuity. 4% health and education cess applied on all income tax. FY 2026-27.

How it works

From CTC to take-home in three steps

Your CTC is not what you receive. Here is what happens between the number on your offer letter and your bank account.

Step 1
Employer costs come out first

Employer EPF (12% of basic, up to ₹3,000/month) and Gratuity (4.81% of basic/year) are subtracted from fixed CTC. What remains is your Gross Salary — any variable or bonus pay is then added on top.

Step 2
Employee deductions follow

Employee EPF (12% of basic, up to ₹3,000/month), Professional Tax (max ₹2,500/year), and Income Tax are deducted from Gross to arrive at your in-hand.

Step 3
The remainder is yours

At ₹10 LPA new regime with no variable pay, that is ₹75,522/month — 90.6% of CTC, with zero income tax via the Section 87A rebate.

FY 2026-27

New vs old tax regime

Budget 2026 made no changes to slab rates. The new regime continues to offer zero tax up to ₹12L taxable income.

New regime Default
Standard deduction ₹75,000 · No 80C, HRA or LTA deductions
₹0 – ₹4 lakhNil
₹4 – ₹8 lakh5%
₹8 – ₹12 lakh10%
₹12 – ₹16 lakh15%
₹16 – ₹20 lakh20%
₹20 – ₹24 lakh25%
Above ₹24 lakh30%
Section 87A rebate of ₹60,000 — zero tax for taxable income up to ₹12 lakh. Gross salary up to ~₹12.75L attracts no tax.
Old regime Optional
Standard deduction ₹50,000 · 80C ₹1.5L, HRA, 80D, LTA available
₹0 – ₹2.5 lakhNil
₹2.5 – ₹5 lakh5%
₹5 – ₹10 lakh20%
Above ₹10 lakh30%
Old regime is better when total deductions — HRA, 80C, 80D, home loan interest — exceed approximately ₹3.75 lakh per year.

Frequently Asked Questions

What does LPA mean?

LPA stands for Lakh Per Annum — the standard way annual salaries are quoted in India. ₹10 LPA means ₹10,00,000 per year or ₹83,333 per month gross. Your actual monthly in-hand is always lower after deductions.

How is in-hand salary different from CTC?

CTC is what the company spends on you. In-hand is what reaches your bank account. The gap includes Employer EPF, Gratuity, Employee EPF, Professional Tax and Income Tax. For ₹10 LPA under the new regime, the in-hand is approximately ₹77,922/month — 93.5% of CTC.

Which regime gives a higher in-hand salary?

The new regime is better for most salaried employees in FY 2026-27 because taxable income up to ₹12 lakh attracts zero tax. The old regime wins only if total deductions — HRA exemption, 80C, 80D, and home loan interest — exceed approximately ₹3.75 lakh per year.

What is the EPF contribution rate?

Both employee and employer contribute 12% of basic salary. The statutory wage ceiling was raised from ₹15,000 to ₹25,000/month effective 17 September 2026 (Gazette S.O. 5109(E)), so the maximum mandatory contribution from each side is now ₹3,000/month (₹36,000/year). The employer’s 12% splits as 3.67% to EPF and 8.33% to the Employee Pension Scheme.

Does professional tax apply in all states?

No. Professional Tax is state-specific. Maharashtra levies ₹2,500/year, Karnataka ₹2,400/year, and Tamil Nadu and Punjab also levy up to ₹2,500/year. Delhi, Gujarat, Haryana, Rajasthan and UP levy nil professional tax.

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Keka handles salary calculations, statutory compliance, and payslip generation — so your HR team never builds another spreadsheet.

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