India market
India salary and tax calculators
Calculate in-hand salary from CTC for FY 2026-27, compare the new and old tax regimes, check what an increment is really worth, and verify the deductions on your salary slip.
Calculators
4 calculators
Guides
5 guides
India guide
CTC vs in-hand salary: where the money actually goes
A worked breakdown of a Rs 12,00,000 package: what employer PF, gratuity and tax take out, and why the amount reaching your bank account is roughly 22 per cent lower than the number on your offer letter.
India guide
New regime or old regime: which one leaves you more
Slab rates for both regimes, the Section 87A rebate and its marginal relief, and the deduction level at which the old regime overtakes the new one on a real salary.
India guide
HRA exemption: the three tests, and why rent decides everything
How Section 10(13A) read with Rule 2A works: the least of three figures, which four cities count as metro, and why an HRA component with no rent paid gives no exemption at all.
India guide
How monthly TDS on salary is worked out
Why Indian salary tax is an annual projection divided across the months remaining, what a mid-year job change does to your deduction, and how to check whether your employer has it right.
India guide
What the labour codes did to Indian salary structures
The Code on Wages came into force on 21 November 2025. What the 50 per cent wage rule actually says, why it is an add-back rather than a floor on basic pay, and what it does to provident fund, gratuity and take-home.
What these use
Every India calculator runs the same engine, with rule data confirmed against the Income Tax Department, the Ministry of Labour and Employment, EPFO, ESIC, and Article 276(2) of the Constitution for professional tax. Where a state professional tax schedule has not been confirmed against that state's own notification, the result says so rather than assuming a figure.
Read the calculation methodology and sources and assumptions.
About these calculators
India runs on its own rules and its own hub, kept entirely separate from the United States paycheck engine. Take-home pay here is not a translation of the American calculation: it starts from cost to company rather than gross salary, and the deductions between the two are specific to Indian payroll.
The gap between the number on an offer letter and the amount reaching a bank account is usually substantial, because employer provident fund and gratuity accrual sit inside cost to company without ever being paid as cash. The tools below work that gap out line by line, under either tax regime.
Which tool answers what
| Calculator | What it estimates |
|---|---|
| In-Hand Salary Calculator | Calculate your monthly in-hand salary from CTC for FY 2026-27. Compares the new and old tax regimes side by side with EPF, HRA on actual rent paid, professional tax by state, gratuity, ESI and Section 87A marginal relief. |
| New vs Old Tax Regime | Compare the new and old tax regimes on your own salary. Shows which regime leaves more in hand each month, and exactly how much more deduction the old regime would need to win. |
| Salary Hike Take-Home | Enter your current CTC and your increment percentage to see what the raise is actually worth in your bank account. A 10 per cent CTC hike is rarely 10 per cent more in hand. |
| Salary Slip TDS Checker | Check the tax and deductions on your salary slip line by line against what the rules produce for your salary. Amounts only — no personal details, no login, no uploads. |
Common questions
Why is my in-hand salary so much lower than my CTC?
Cost to company includes amounts the employer spends that never reach you as monthly cash — employer provident fund contribution and gratuity accrual in particular — alongside your own provident fund deduction, professional tax, and income tax deducted at source. The in-hand calculator itemises each of these against the package entered.
What is the difference between the new and old tax regimes?
The new regime applies lower slab rates with most exemptions and deductions removed. The old regime keeps deductions such as house rent allowance exemption, Section 80C, and home loan interest, at higher slab rates. Which leaves more depends on the deductions actually claimed, which is what the comparison calculator evaluates.
How is monthly TDS on salary worked out?
Tax deducted at source is an annual liability projected across the financial year and divided by the months remaining, not a flat monthly percentage. This is why a mid-year job change or a bonus can move the monthly deduction sharply even when the salary itself has not changed.
How much HRA exemption can be claimed?
The exemption is the least of three figures: the allowance actually received, rent paid less ten per cent of basic salary, and a percentage of basic salary that depends on whether the city counts as metro. Rent actually paid is required — an allowance with no rent behind it gives no exemption.
Other decisions
What do I actually take home?
Estimate take-home pay, salary deductions, tax withholding, and employer payroll cost.
Can I buy this home?
Estimate home affordability, mortgage payments, down payment, loan-to-value, and closing costs.
How do I manage or improve my existing mortgage?
See amortization, payoff, extra payments, recasts, points, and rate-adjustment scenarios.
Should I refinance or use home equity?
Compare refinance options, break-even timing, equity access, HELOCs, and cash-out choices.
What will this loan cost me?
Estimate payment, APR, repayment schedule, and total loan cost.
How do I get out of debt?
Plan payoff, minimum payments, balance transfers, consolidation, and debt ratios.
How will my money grow?
Saving, Investing & Retirement
Project compounding, investment growth, and retirement savings.