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Take-home pay calculator

See what reaches your bank account each month and each year after income tax and social security. Each country uses its current official rules, and every source is listed.

Take-home pay in India

Tax year 2026-27 (1 April 2026 to 31 March 2027)

Total CTC a year

Before any deductions. 18,00,000, 18L or 18 lakh all work.

Basic pay a year

Basic plus DA, from your offer or payslip. Leave it empty and we use half of your CTC.

Provident fund (PF)

My CTC includes the employer's PF share

Professional tax a year

Most states charge ₹2,500 a year, the most allowed. Enter 0 if your state has none.

Old regime deductions (optional)

Tax-saving investments

PPF, ELSS, life insurance, home loan principal. Your PF is added for you, up to ₹1.5 lakh in total.

Other deductions

HRA exemption (work it out with the HRA calculator), health insurance, home loan interest.

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About this estimate

Rules used: Tax year 2026-27 (1 April 2026 to 31 March 2027)

Estimates only. Your payslip can differ.

See assumptions and sources

What we assume

Resident individual under 60, salary as the only income.
Standard deduction of ₹75,000 in the new regime and ₹50,000 in the old regime.
Rebate: no tax up to ₹12 lakh of taxable income in the new regime (with marginal relief just above it) and up to ₹5 lakh in the old regime.
Surcharge above ₹50 lakh with marginal relief, capped at 25% in the new regime, then 4% health and education cess.
Employee PF is 12% of basic pay. With the ceiling option it stops at 12% of ₹25,000 a month, the PF wage ceiling since 17 September 2026. We use ₹25,000 for the whole year. Months before 17 September 2026 used ₹15,000, so yearly PF here can be up to about ₹6,600 more than your payslips show.
If your CTC includes the employer's PF share, the same amount is taken out of CTC first. When you leave basic pay empty we use half of CTC.
Professional tax is deducted in both regimes but lowers taxable income only in the old regime.
Your PF and tax-saving investments count towards the ₹1.5 lakh limit in the old regime only.
Gratuity, insurance and other benefits that some employers fold into CTC are not taken out. If yours does, take-home is lower.