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Find exact take-home from CTC — FY 2026-27, no signup
Rs 12,00,000
Metro: Delhi, Mumbai, Kolkata, Chennai, Bengaluru, Hyderabad
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Converting a CTC figure into actual monthly take-home requires accounting for EPF deductions, professional tax, income tax under the chosen regime, and employer contributions that inflate CTC without adding to in-hand pay. For FY 2026-27, with two distinct tax regimes and different standard deductions, the calculation is non-trivial. This tool performs both computations simultaneously so you can make an informed regime choice before April.
The tool first deducts employer-side costs embedded in CTC — primarily the 12% employer EPF contribution and gratuity provisioning — to arrive at gross salary. Employee EPF (12% of basic) and professional tax (Rs 2,400/year) are then deducted to find gross taxable salary.
Under the Old Regime, declared deductions — HRA under Section 10(13A), 80C (up to Rs 1.5 lakh), 80D (medical insurance), NPS under 80CCD(1B) — are subtracted before applying the age-based slab rates. Under the New Regime, the flat Rs 75,000 standard deduction is applied and FY 2026-27 slab rates (0-4L at 0%, 4-8L at 5%, 8-12L at 10%, etc.) are used without further deductions.
Section 87A rebate (zero tax up to Rs 12 lakh under New Regime) is applied before the 4% health and education cess is added to arrive at final tax outgo.
A mid-level software engineer with Rs 18 LPA CTC checking whether paying rent in a metro city and maxing 80C actually makes the Old Regime worthwhile.
A fresher joining at Rs 6 LPA CTC who wants to understand what lands in their bank account on the 1st of each month.
A senior professional at Rs 40 LPA comparing both regimes to decide before the April regime-selection deadline set by their employer.
An HR executive preparing offer letters and needing accurate in-hand figures to share with candidates.
Scope note: Uses FY 2026-27 tax slabs and a standard 40% basic-to-CTC ratio. Does not account for surcharge on incomes above Rs 50 lakh, marginal relief, company-specific salary structures, or perquisite valuation (company car, ESOP). Consult a chartered accountant for high-income or complex compensation structures.
Disclaimer: This calculator is for informational and educational purposes only and does not constitute financial, tax, or legal advice. Results are estimates based on publicly available tax slabs and formulas. Consult a qualified Chartered Accountant, tax professional, or financial advisor for guidance specific to your situation. Built and maintained by the WOWHOW Team with 14+ years of software development experience.
Enter your annual CTC (Cost to Company)
Select your city type — Metro or Non-Metro (affects HRA)
Optionally add deductions — 80C, 80D, NPS, HRA rent paid
See your monthly in-hand salary for both Old and New tax regimes instantly
About the CTC to In-Hand Salary Calculator
It depends on your deductions. If you claim significant deductions under 80C, 80D, and HRA, the Old Regime may save more tax. The tool highlights the better option automatically.
FY 2025-26 and FY 2026-27 slabs for both Old and New regimes, including the Rs 75,000 standard deduction under the New Regime.
Yes, professional tax of Rs 2,400/year is deducted. Employer PF contribution of 12% of basic is also factored in.
Under the New Tax Regime, employees get a flat Rs 75,000 standard deduction from FY 2024-25 onwards (raised from Rs 50,000). This deduction is automatic — you do not need to claim it or produce any proof.
Variable pay and bonuses are typically included in CTC but not in monthly in-hand salary. Enter your fixed annual CTC for an accurate monthly figure. For total annual take-home including variable, add expected bonus after tax at your marginal rate.
Differences arise from company-specific salary structures — some firms split basic differently, add meal vouchers, or structure NPS differently. The calculator uses a standard 40% basic-to-CTC ratio. Adjust the basic salary input to match your actual payslip for a precise result.
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