India take-home salary calculator
Know your real monthly in-hand before you say yes to an offer — old regime vs new regime, side by side. Free, no sign-up.
Region🇮🇳 India·Only region
Currency ₹ INR/ yr
/ mo
Helps old-regime HRA exemption
New regime puts ₹5,248 more in your pocket every month.
Old regime
₹1,12,886
per month in-hand
Annual tax₹1,83,678
Taxable₹12,13,710
Annual in-hand₹13,54,632
New regimeMore in-hand
₹1,18,134
per month in-hand
Annual tax₹1,20,699
Taxable₹15,73,710
Annual in-hand₹14,17,611
Salary breakup · per year
Basic
50% of CTC
₹9,00,000
HRA
50% of Basic
₹4,50,000
Special allowance
Balancing figure
₹2,98,710
Employer PF
12% of Basic
₹1,08,000
Gratuity
4.81% of Basic
₹43,290
Total CTC
Per year
₹18,00,000
Old vs New, side by side
| Metric | Old | New |
|---|---|---|
| Taxable income | ₹12,13,710 | ₹15,73,710 |
| Income tax + cess | ₹1,83,678 | ₹1,20,699 |
| Annual in-hand | ₹13,54,632 | ₹14,17,611 |
| Monthly in-hand | ₹1,12,886 | ₹1,18,134 |
How we calculate this
- Basic = 50% of CTC; HRA = 50% of Basic; Employer PF = 12%; Gratuity = 4.81%.
- Employee PF (12% of Basic) is deducted from your salary.
- New regime: ₹75,000 standard deduction, FY 2026-27 slabs, no other exemptions.
- Old-regime estimate assumes full ₹1.5L under 80C, ₹25K under 80D, plus HRA exemption from the rent you entered.
- 4% health & education cess and ₹200/month professional tax applied.
Tax rules: Budget 2026 retained FY 2025-26 slabs unchanged. Verified against Income Tax Dept (incometax.gov.in) & ClearTax, July 2026. Updated 2026-07-02.
Estimates only — not tax or financial advice. Your actual pay depends on your company’s exact salary structure and your declared investments. Verify with a professional before deciding.