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 ₹6,111 more in your pocket every month.
Old regime
₹1,25,040
per month in-hand
Annual tax₹2,10,634
Taxable₹13,00,110
Annual in-hand₹15,00,476
New regimeMore in-hand
₹1,31,151
per month in-hand
Annual tax₹1,37,303
Taxable₹16,60,110
Annual in-hand₹15,73,807
Salary breakup · per year
Your salaryTaxable · mostly cash
Basic
50% of CTC
₹9,00,000
HRA
50% of Basic
₹4,50,000
Special allowance
Balancing figure
₹3,85,110
In your CTC, not your take-homeEmployer-side · non-cash
Employer PF
₹1,800/mo · statutory cap
₹21,600
Gratuity
4.81% of Basic
₹43,290
Total CTC
Per year
₹18,00,000
₹64,890 of your CTC is employer contributions & benefits — real value, but never a monthly bank credit.
Old vs New, side by side
| Metric | Old | New |
|---|---|---|
| Taxable income | ₹13,00,110 | ₹16,60,110 |
| Income tax + cess | ₹2,10,634 | ₹1,37,303 |
| Annual in-hand | ₹15,00,476 | ₹15,73,807 |
| Monthly in-hand | ₹1,25,040 | ₹1,31,151 |
How we calculate this
- Basic = 50% of CTC; HRA = 50% of Basic; PF capped at ₹1,800/mo (statutory ceiling); Gratuity = 4.81% of Basic. Change these under “Match your offer letter”.
- Employee PF (₹1,800/mo) 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. Flexible-benefit / reimbursement exemptions (RFB, LTA, food, telephone) aren’t counted unless you add them under “Match your offer letter”.
- 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.