TOOL

CTC to In-Hand Salary & Income Tax Calculator FY 2026-27 (Old vs New Regime)

Enter your CTC to see estimated monthly in-hand salary and tax under both regimes. All figures based on FY 2026-27 / Income Tax Act, 2025.

CTC to in-hand salary table (FY 2026-27)

Quick look-up from the same maths as the calculator. Assumes basic is 40% of CTC, PF is capped at ₹3,000 a month, ₹2,400 professional tax, non-metro city, no rent and no deductions. The old regime column claims nothing, so it looks worse than it will if you have HRA, 80C or a home loan — enter those above.

CTC per year	In-hand per month (new regime)	Tax per year (new)	In-hand per month (old, no deductions)	Tax per year (old)
₹6 lakh	₹44,038	₹0	₹42,829	₹14,509
₹8 lakh	₹59,184	₹0	₹54,700	₹53,811
₹10 lakh	₹75,530	₹0	₹67,646	₹94,611
₹12 lakh	₹91,876	₹0	₹79,825	₹1,44,616
₹15 lakh	₹1,09,113	₹87,382	₹96,694	₹2,36,415
₹18 lakh	₹1,29,572	₹1,36,109	₹1,13,563	₹3,28,214
₹20 lakh	₹1,42,518	₹1,76,908	₹1,24,809	₹3,89,413
₹25 lakh	₹1,73,406	₹2,96,634	₹1,52,924	₹5,42,412
₹30 lakh	₹2,01,777	₹4,46,559	₹1,81,039	₹6,95,411
₹50 lakh	₹3,14,237	₹10,58,554	₹2,93,500	₹13,07,405

Going the other way? The reverse CTC calculator starts from the take-home you want. Common targets: CTC for ₹40k, ₹60k, ₹80k or ₹1 lakh a month in hand. The new ₹25,000 PF limit explains why PF here is ₹3,000 a month, not ₹1,800. If October in-hand looked lower than this, see why October pay dipped more. No offer yet? Start from your monthly costs in the cost of living calculator, then turn that budget into a CTC target.

What each input means

Annual CTC — your total cost to company, before the tool backs out PF, gratuity, and employer NPS.
City — sets HRA (50% of basic in metros, 40% elsewhere) and Professional Tax (₹0 in Delhi).
Monthly rent — drives the HRA exemption's "rent minus 10% of basic" arm.
Age — switches the old-regime basic exemption and senior-citizen slabs.
Deductions — 80C, 80D, 80CCD(1B), and home-loan interest apply in the old regime only. Employer NPS (80CCD(2)) applies in both.

What this is doing

The engine unfolds your CTC into basic (40% of CTC), HRA, employer PF, and gratuity, then arrives at gross. Employer NPS inside CTC is part of taxable salary, then deducted under 80CCD(2); it is not cash. The old regime subtracts the ₹50k standard deduction, Professional Tax, HRA exemption, and your 80C/80D/NPS/24(b) deductions; the new regime subtracts ₹75k and employer NPS (capped at 14% of basic) — not PT or 80CCD(1B), which s.115BAC disallows. Take-home is cash salary minus employee PF, professional tax paid, employee NPS, and income tax. Each remainder is run through the regime's slabs, with the 87A rebate (₹12L threshold new, ₹5L old, marginal relief to ₹12,70,588), surcharge marginal relief on ordinary salary income, and a 4% cess. The "wins" banner and the saving are simply the gap between the two tax totals.

Slab tax is computed by marching taxable income across the band limits and multiplying each slice by its rate — no lookups, pure arithmetic.

Assumptions

Figures are FY 2026-27 (Income Tax Act, 2025) slabs and rebate thresholds.
Basic is assumed to be 40% of CTC; HRA assumed 50% of basic (metro) or 40% (non-metro).
Employer PF is capped at ₹3,000/month (12% of the ₹25,000 EPF wage ceiling from 17 Sep 2026, or 12% of basic if lower); gratuity provision at 4.81% of basic.
Professional Tax is a flat ₹2,400 except Delhi (₹0); slab-based state PT schedules are not modelled.
Standard deduction ₹50,000 (old) / ₹75,000 (new).
Surcharge and its marginal relief apply to ordinary salary income above ₹50 lakh taxable income; 4% cess is added after that.

Worked example — the default inputs

CTC ₹15,00,000. Mumbai (metro). Rent ₹25,000/month. Below 60. 80C ₹1,50,000, 80D ₹25,000, NPS 1B ₹50,000, employer NPS ₹60,000.

Basic ₹6,00,000, gross ₹14,35,140 (after employer PF ₹36,000 and gratuity ₹28,860)
Old taxable income ₹8,57,740 → tax + cess ₹87,410 → annual take-home ₹11,99,330
New taxable income ₹13,00,140 (PT and 80CCD(1B) not deducted from tax) → tax + cess ₹78,022 → annual take-home ₹12,08,718
New regime wins on tax by ₹9,388. Cash still subtracts employee PF ₹36,000, professional tax ₹2,400, employee NPS ₹50,000 and employer NPS ₹60,000 from gross.

Raise the salary and the old regime's deductions weigh less — but the tool lets you see that flip instead of assuming it.

Limitations

Basic is fixed at 40% of CTC; real offer letters break CTC differently, which shifts HRA and gratuity.
HRA uses a simplified least-of-three with assumed components, not a payslip's actual HRA figure.
Flat Professional Tax ignores slab-based PT in states that use one (e.g. Telangana).
Surcharge marginal relief covers ordinary salary income only; special-rate income is out of scope.
Home-loan interest is capped at ₹2,00,000 for self-occupied in the old regime and ignored in the new.
Not tax advice. This is a regime comparison at standard assumptions, not a filing figure.

Questions people actually ask

What is the in-hand salary on a ₹12 lakh CTC?

With this calculator's defaults (basic 40% of CTC, PF capped at ₹3,000 a month, ₹2,400 professional tax, no deductions), about ₹91,876 a month under the new regime, with ₹0 income tax after the Section 87A rebate. Under the old regime with no deductions it is about ₹79,825 a month. Your payslip will differ if your basic, PF method or variable pay differ.

How much in-hand salary do I get on ₹10, ₹15 or ₹20 lakh CTC?

New regime, same defaults: about ₹75,530 a month on ₹10 lakh, ₹1,09,113 on ₹15 lakh and ₹1,42,518 on ₹20 lakh. The table on this page lists more CTC levels. Enter your own CTC, city and rent above for your number.

Why does the calculator decompose my CTC instead of just taking a salary number?

Because tax is levied on your taxable income, not your CTC. The tool backs out employer PF, gratuity provision, and other pre-tax components, then applies HRA exemption, standard deduction, and your deductions to reach taxable income in each regime.

How is HRA exemption calculated here?

It is the least of three: actual HRA received, rent paid minus 10% of basic, and 50% of basic in metros (40% elsewhere). The tool assumes HRA is 50% of basic in metros and 40% otherwise, and computes rent from your monthly figure.

What does the new regime allow vs the old?

The new regime gives a ₹75,000 standard deduction and employer NPS (80CCD(2)) up to 14% of basic — but no HRA, 80C, 80D, 80CCD(1B), professional-tax deduction, or home-loan interest. Professional tax and employee NPS still leave your bank account. The old regime gives the ₹50,000 standard deduction plus the full deduction stack shown.

Does Professional Tax differ by city?

A flat ₹2,400 is applied everywhere except Delhi (₹0). A few states use slab-based PT, which this tool does not model — it uses the flat default.

What is the ₹12 lakh zero-tax cliff in the new regime?

The s.87A rebate wipes out the tax bill up to ₹12 lakh of taxable income, with marginal relief above it. This tool reflects that for the new regime and the ₹5 lakh rebate for the old.

Is the employer NPS benefit different in each regime?

Yes. 80CCD(2) allows up to 14% of Basic+DA in the new regime versus 10% in the old. The tool caps employer NPS at the regime percentage of basic.

Are the numbers my actual tax?

No — they are estimates at FY 2026-27 rates. Actual tax depends on Form 16, 26AS, AIS, and your specific salary structure. Use this to compare regimes, not to file.

Estimate only

Your actual tax depends on the real salary structure in Form 16, your HRA as paid, and every deduction you can prove — not the 40/50/40 split this tool assumes. Use it to pick a regime, then get a CA to reconcile the filing number.

Deductions (Old Regime)