In-Hand Salary Calculator India (FY 2026-27)
Calculate your monthly take-home pay from CTC. Includes EPF, professional tax, income tax (new/old regime), HRA exemption.
Quick Answer: In-hand salary = CTC − Employer PF − Employee PF (12% of basic) − Professional Tax (₹2,400/yr) − Income Tax. For FY 2026-27 new regime: income up to ₹12L is tax-free (rebate u/s 87A). Standard deduction ₹75,000 for salaried.
Enter Your CTC
MONTHLY IN-HAND
₹96,200
Annual: ₹11,54,400
Take-home: 96% of CTC
Basic Salary₹4,80,000
HRA₹2,40,000
LTA₹24,000
Special Allowance₹3,40,800
Gross Salary₹11,78,400
EPF (Employee 12%)₹21,600
Professional Tax₹2,400
Income Tax (New Regime)₹0
Total Deductions₹24,000
🏠 In-Hand Salary (Annual)₹11,54,400
📅 In-Hand Salary (Monthly)₹96,200
FY 2026-27 New Regime Tax Slabs
Up to ₹4L
0%
Nil
₹4L–₹8L
5%
₹8L–₹12L
10%
₹12L–₹16L
15%
₹16L–₹20L
20%
₹20L–₹24L
25%
Above ₹24L
30%
Rebate u/s 87A: Zero tax on income up to ₹12L (new regime). +4% Health & Education Cess on tax. Standard deduction: ₹75,000.
FOR CA · ACCOUNTANT · TAX CONSULTANT · FINANCE ADVISOR
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