Take-Home Salary Calculator India 2026
Convert your annual CTC into monthly in-hand salary. Breakdown shows EPF, ESI, professional tax, and income tax deductions under the new regime (FY25-26 slabs). Updated 2026.
Take-Home Salary Calculator
Annual breakdown
View employer cost (CTC verification)
Understanding your CTC structure
- Most companies break CTC as 40% basic + 50% HRA on basic + 25% special + LTA + PF + gratuity provision
- Employee deductions: 12% EPF + 0.75% ESI (if applicable) + ~₹200/mo PT + income tax
- New tax regime (default since FY23-24): ₹75k standard deduction, no 80C / HRA exemption — but lower slab rates
- Old regime can be better if you have high 80C + HRA + home loan interest — compare both regimes annually
- Section 87A: full tax rebate if taxable income ≤ ₹12 lakh (new regime) — effectively no income tax
- Gratuity provision (4.81% of basic) is in CTC but you only get it after 5 yrs — exclude when comparing offers
Watch-outs
- •CTC includes employer EPF (12% of basic) + ESI + gratuity provision — these never reach your bank as cash
- •Performance bonus, ESOP face-value, and notice-period buyout in CTC are also non-guaranteed
- •Some companies show notional 'inflation hike' or 'wellness benefits' in CTC — pure padding
- •ESI cuts off at ₹21,000/month gross — above that, no ESI deduction
- •Professional tax slabs differ by state — Delhi, Haryana, UP, Rajasthan don't levy PT at all
Take-home salary FAQ
How is take-home salary calculated from CTC?
Start with CTC. Subtract employer EPF (12% of basic), employer ESI (3.25% of gross if applicable), and gratuity provision (4.81% of basic) — that gives gross salary. From gross subtract: employee EPF (12% of basic), employee ESI (0.75% of gross if applicable), professional tax (state-specific), and income tax (slab-based). What's left is your in-hand take-home.
What's the difference between CTC, gross, and take-home?
CTC = Cost to Company = everything the employer pays for you (gross + employer contributions + gratuity provision + bonuses + perks). Gross = monthly salary before deductions (basic + HRA + special + LTA). Take-home / In-hand / Net = gross minus your statutory deductions (PF, ESI, PT, income tax). Rule of thumb: take-home is roughly 70-85% of CTC depending on tax slab.
Should I choose new or old tax regime?
Use new regime if you have low investments (low 80C, no home loan, low HRA). Use old regime if you have high deductions — 80C maxed at ₹1.5L + 80D health insurance + HRA + home loan interest typically beats new regime above ~₹15L CTC. Switch each year in your ITR — your employer's TDS choice is overridable.
What is Section 87A rebate?
If your taxable income (after standard deduction) is ≤ ₹12 lakh under the new regime, you get a full tax rebate — effectively zero income tax. This makes the new regime very attractive for salaries up to ~₹13.5 lakh annual CTC (where take-home after EPF is ~₹12L). Above that, you pay full slab rates.
How accurate is this calculator?
Reasonable approximation for standard salaried CTC structure (40/50/25 basic-HRA-special split). Real take-home varies based on: actual basic ratio (some companies use higher basic), HRA exemption claim (only old regime), other 80C investments, home loan, NPS contribution, capital gains. Use this for ballpark and confirm exact figures with your CTC offer letter and HR.
Is gratuity provision real money I'll get?
Only if you stay 5+ years. Gratuity provision (4.81% of basic) is accrued in employer's books but only paid out when you complete 5 years of continuous service. If you leave before 5 years, you forfeit it. When comparing job offers, mentally subtract gratuity from CTC if you don't plan to stay 5+ years.