India take-home salary calculator.
Estimate average in-hand salary after income tax and entered payroll deductions for FY 2025–26 / AY 2026–27.
FY 2025–26 / AY 2026–27 · resident individuals under 60 · ordinary income only · up to ₹50 lakh gross income
Take-home salary inputs
Use eligible deduction amounts after their individual caps, not total investments. Do not enter capital gains, crypto income or employer contributions here.
Calculate the HRA exemption first →FY 2025–26 / AY 2026–27. Resident under 60, ordinary income only. Standard deductions: old ₹50,000 / new ₹75,000 (capped at salary). Includes eligible resident rebates, new-regime rebate marginal relief and 4% cess. No employer-NPS deduction, special-rate income, surcharge, arrears relief or statutory final rounding. Aggregate old deductions must already respect eligibility and limits; exclude HRA, professional tax and standard deduction from that field. Selected regime: new. Gross cash salary is not CTC: exclude employer PF, gratuity provision and non-cash benefits. Employee PF is subtracted from cash once; any eligible tax deduction must be included in the old deductions input. Tax is spread evenly across twelve months. Actual TDS and payslips vary.
View detailed breakdown
| Item | Old regime | New regime |
|---|---|---|
| Taxable income | ₹13,00,000.00 | ₹14,25,000.00 |
| Slab tax | ₹2,02,500.00 | ₹93,750.00 |
| Rebate | ₹0.00 | ₹0.00 |
| Rebate marginal relief | ₹0.00 | ₹0.00 |
| Health & education cess | ₹8,100.00 | ₹3,750.00 |
| Total estimated tax | ₹2,10,600.00 | ₹97,500.00 |
How this india take-home salary calculator works
Start with gross cash salary, not the employer’s CTC package. Subtract estimated tax under the selected regime and actual employee-side payroll deductions. Divide the resulting annual cash by twelve for an average monthly estimate. The tax engine has the same resident-under-60, ordinary-income and ₹50 lakh limits as the regime comparison.
A worked example
A ₹12,00,000 cash salary with ₹72,000 employee PF and no other deductions has ₹11,28,000 remaining when new-regime income tax is zero under this model. The average is ₹94,000 a month. Employer PF or a gratuity provision should not be included in cash salary.
Why can my payslip differ from the monthly estimate?
Bonuses, joining dates, unpaid leave, variable salary and changing TDS can make individual months different. This tool does not derive statutory EPF contributions from CTC; enter actual employee deductions. If PF qualifies toward an old-regime deduction, include it in the eligible aggregate tax-deduction field too. It is then one cash deduction and one tax-base adjustment, not two cash deductions.
References and further reading
Calculations run on your device. Review your results before exporting or sharing them.
Start with cash salary, not headline CTC
Remove employer contributions and non-cash provisions before entering gross cash salary. Then enter actual employee-side deductions. The calculator does not reconstruct your compensation package from a single CTC number.
Average monthly take-home spreads annual tax and deductions over twelve months. A bonus month or changing payroll withholding can differ substantially. Use the regime comparison to examine tax, then reconcile cash deductions with a payslip.
Published by ToolMitra — methods and editorial approach.