India in-hand salary calculator
Enter your gross annual salary and see your monthly in-hand pay after income tax, employee EPF and professional tax. Both the new and old regimes are modelled, so you can see which one actually leaves you with more before you pick one.
India
Tax year: FY 2026-27 (AY 2027-28)
EPF is 12% of basic. Most Indian structures set basic at 40–50% of gross.
Your take-home, instantly
Enter your annual gross salary to see the breakdown.
How this is calculated
- •Take-home = gross − income tax (TDS) − employee EPF − professional tax. Employer contributions (EPF, gratuity) are part of CTC and are not deducted here.
- •EPF is estimated as 12% of basic pay, with basic assumed at 50% of gross unless you change it. Your actual EPF depends on your salary structure.
- •Surcharge applies above ₹50L taxable income. Marginal relief is applied at the §87A rebate ceiling (new regime) and at every surcharge threshold, so crossing a boundary never reduces your take-home.
- •These are estimates for guidance, not tax advice. Verify with a tax professional before relying on them.
Sources for FY 2026-27 (AY 2027-28)
- Income Tax Department, Government of India
Income-tax slabs, standard deduction, §87A rebate, surcharge & cess for FY 2026-27 (AY 2027-28); Finance Act 2025, unchanged in Union Budget 2026.
- Employees' Provident Fund Organisation (EPFO)
Employee provident fund contribution at 12% of basic wages.
What comes out of your India salary
- •Income tax (TDS) under the regime you select
- •Employee EPF, estimated at 12% of basic pay
- •Professional tax, which varies by state
India take-home pay, answered
What is the difference between the new and old regime here?
The new regime has lower rates but almost no deductions; the old regime has higher rates but lets you claim 80C, HRA and similar. Switch between them and the result updates, so you can compare the take-home rather than guess which is better for your salary.
How is EPF calculated?
As 12% of basic pay, with basic assumed at 50% of gross unless you change it. Your actual EPF depends on how your employer structures your salary, so adjust the basic percentage to match your offer letter if you want a precise figure.
Is this calculated on CTC or gross?
On gross. Employer contributions, employer EPF and gratuity, are part of your CTC but are never paid to you, so they are not deducted here. That is why in-hand is always well below the CTC figure in an offer letter.
Does it handle surcharge and marginal relief?
Yes. Surcharge applies above ₹50 lakh of taxable income, and marginal relief is applied at the §87A rebate ceiling under the new regime and at every surcharge threshold, so crossing a boundary never reduces your take-home, which is how the law actually works.
Other countries
Comparing an offer against your current pay? Work out the raise percentage, or check your resume against the job description before you apply.