Finance Guide
Salary Calculator Guide — Take-Home Salary After Tax India 2026
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See exact take-home after PF, PT and income tax FY 2026-27.
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Your CTC (Cost to Company) is very different from your take-home salary. Here's what gets deducted:
| Deduction | Rate | Example (Rs.10L CTC) |
|---|---|---|
| Employee PF (EPF) | 12% of Basic | Rs.14,400/yr (Basic=Rs.10K/mo) |
| Professional Tax | Rs.200/month (state varies) | Rs.2,400/yr |
| Income Tax (TDS) | As per slab | Varies |
| Health Insurance (group) | Company covers usually | — |
CTC vs Gross vs Net — Explained
- CTC = Total cost to company (includes employer PF, gratuity, insurance)
- Gross Salary = CTC minus employer's PF and gratuity
- Net Salary (Take-Home) = Gross minus employee PF, PT, TDS
Take-Home = Gross Salary − Employee PF − Professional Tax − Income Tax (TDS)
Typical: Rs.10L CTC → Rs.7.5-8.5L take-home depending on regime
New vs Old Regime for Salaried (FY 2026-27)
- New Regime: Standard deduction Rs.75,000. Zero tax up to Rs.12L. No 80C/HRA benefits.
- Old Regime: Standard deduction Rs.50,000 + 80C Rs.1.5L + HRA + 24b home loan interest. Better for those with large deductions.
- Most employees earning below Rs.15L save more with new regime in 2026-27.
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