India in-hand salary calculator (new regime)
India in-hand salary calculator (new regime)Your India in-hand salary is your annual CTC minus employee provident fund and income tax under the new regime, spread across twelve months.
Worked example · In-hand / month
You keep 95.2% of gross pay 4.8% goes to tax and contributions
With Annual CTC of 800,000 INR, this model computes In-hand / month of 63,466.67 INR. See the full working.
✓ Verified against 2 self-test cases Updated for FY2026-27 · sources checked 2026-10-17
How in-hand salary in India is calculated
Under India's FY2026-27 new tax regime, the calculator starts from your annual cost-to-company (CTC). Employee provident fund is 12% of basic pay (a share of CTC you choose), and a 75,000 INR standard deduction comes off before tax.
The new-regime slabs run 0% up to 4 lakh, then 5/10/15/20/25/30% across successive 4-lakh bands. The §87A rebate zeroes the tax entirely for taxable income up to 12 lakh, with marginal relief just above it, and a 4% health-and-education cess is added on top.
Because most of the structure hinges on how CTC splits into basic pay, the calculator exposes the basic percentage — the single biggest lever on take-home. Old-regime deductions (HRA, 80C) are a planned addition. Estimate, not tax advice.
Worked example
ShowHide the full working: 2 inputs, 8 computed steps
| Inputs | |
|---|---|
| Annual CTC | 800,000 INR |
| Basic as fraction of CTC | 0.4 |
| Computed by the engine | |
| Basic | 320,000 |
| Employee PF (12% of basic) ✓ pinned | 38,400 INR |
| Taxable income ✓ pinned | 725,000 INR |
| Slab Tax | 16,250 |
| Tax After Rebate | 0 |
| Tax / year ✓ pinned | 0 INR |
| In-hand / year | 761,600 INR |
| In-hand / month ✓ pinned | 63,466.67 INR |
Every computed row comes from the engine, run on the inputs above. Rows marked ✓ pinned are also fixed by a published self-test, so a change to the model that moved them would fail its own tests.
Frequently asked questions
What is the in-hand salary for ₹8 LPA CTC?
On an 8 lakh CTC with basic at 40%, employee PF is 12% of basic and taxable income after the standard deduction stays within the §87A rebate, so income tax is zero. The calculator shows the resulting monthly in-hand.
How does the §87A rebate work in the new regime?
For FY2026-27 the rebate reduces tax to zero when taxable income is 12 lakh or below, with marginal relief for incomes just above the threshold. Enter a higher CTC to see tax appear.
Is this the new or old tax regime?
This page models the new regime, the default regime, with its 0-30% slabs and 75,000 INR standard deduction. The old regime with HRA and 80C deductions is a planned variant.
Sources
- Income Tax Department — tax calculator · checked 2026-08-02
- Finance Bill 2026 — memorandum: no change in new-regime rates · checked 2026-10-17
- EPFO — provident fund · checked 2026-08-02
Estimate. Not tax advice. The verification badge means the model reproduces the stated formula through 2 self-test cases; the sources support that the formula matches the rules.
Check the arithmetic yourself: how this calculator is verified — the formula behind every derived value, the 2 test cases the engine reproduces, and what the badge does and does not claim. Also available as machine-readable JSON.
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