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SKAG and Associates
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Take-Home Salary Calculator

Monthly in-hand pay from CTC after employee PF, professional tax and income tax (new or old regime).

The Take-Home Salary Calculator breaks an annual CTC into monthly in-hand pay after the employee's PF contribution (12% of basic plus DA, on wages up to the EPF ceiling of Rs 25,000 a month from 17 September 2026, or on full basic if opted), state professional tax and income tax under the new or old regime. It uses the FY 2025-26 slab rates, which are unchanged for Tax Year 2026-27, including the standard deduction of Rs 75,000 (new) or Rs 50,000 (old) and the Rs 60,000 rebate up to Rs 12 lakh.

Use the Take-Home Salary Calculator

Monthly Salary Breakdown

Gross salary (per month)₹ 0
Less: Employee PF₹ 0
Less: Professional tax (monthly average)₹ 0
Less: Income tax (TDS, monthly average)₹ 0
In-hand per month₹ 0
Employer PF (part of CTC, per month)₹ 0
Gratuity provision (per month)₹ 0
Taxable income (annual)₹ 0
Annual income tax incl. cess₹ 0
Annual in-hand₹ 0
Enter your annual CTC.
Assumes a resident individual below 60 with salary as the only income, and the same pay all year. Employer EDLI and admin charges, variable pay and perquisites are not modelled. Actual monthly TDS can vary as the employer revises the estimate.

Generated on 26 September 2026 at skagandassociates.com — for information only, not professional advice

Income Tax Act 2025 transition: This tool covers both FY 2025-26 (AY 2026-27), under the Income Tax Act, 1961 (old section numbers such as 80C, 87A, 192), and Tax Year 2026-27, under the Income Tax Act, 2025 and Income Tax Rules, 2026 in force from 1 April 2026. Key changes: 80C→123, 87A→156, 192→392; Form 16→130; TDS uses payment codes 1001-1067. View full mapping →

Enter your annual cost to company (CTC) and how it is structured. The tool removes the employer's PF and gratuity (if included in CTC) to arrive at gross salary, then deducts the employee's PF, professional tax and income tax (spread evenly over 12 months) to give your monthly in-hand pay. Slab rates are those for FY 2025-26, which Budget 2026 left unchanged for Tax Year 2026-27.

How the figures are worked out

  • PF: employee and employer each contribute 12% of basic plus DA. The statutory wage ceiling is ₹25,000 a month from 17 September 2026 (S.O. 5109(E)); it was ₹15,000 before. Contributing on full basic is optional. See the PF Contribution Calculator for the employer's EPS / EPF split.
  • Standard deduction: ₹75,000 under the new regime and ₹50,000 under the old regime, limited to the salary amount.
  • Rebate: under the new regime tax is nil up to taxable income of ₹12 lakh (rebate up to ₹60,000, with marginal relief just above); under the old regime, up to ₹5 lakh (rebate up to ₹12,500). Section 87A of the 1961 Act; Section 156 of the 2025 Act.
  • Professional tax: Maharashtra – men: nil up to ₹7,500 a month, ₹175 up to ₹10,000, ₹200 above (₹300 in February); women: nil up to ₹25,000. Karnataka – ₹200 a month (₹300 in February) from ₹25,000 a month. West Bengal – ₹110 / 130 / 150 / 200 above ₹10,000 / 15,000 / 25,000 / 40,000. Telangana – ₹150 above ₹15,000, ₹200 above ₹20,000. Professional tax is deductible only under the old regime.
  • Old regime: employee PF counts toward the ₹1.5 lakh limit of Section 80C together with other 80C investments. Use the HRA Exemption Calculator for the HRA figure.
  • Labour Codes: from 21 November 2025, if allowances exceed 50% of total pay, the excess is added to wages for PF and gratuity, so a low basic may raise PF.
Important note: This tool provides an indicative output only. It does not factor in every special provision, surcharge, exception, or recent notification. Verify with the firm before acting on any computation.

Frequently Asked Questions

How is take-home salary calculated from CTC?
Gross salary is CTC less the employer's PF contribution and any gratuity provision included in CTC. Take-home pay is gross salary less the employee's PF contribution (12% of basic plus DA), professional tax where the state levies it, and income tax deducted at source. The tool spreads the annual tax evenly over 12 months, as employers do when estimating TDS.
Is PF deducted on full basic salary or only up to the wage ceiling?
The statutory EPF wage ceiling is Rs 25,000 a month from 17 September 2026 (it was Rs 15,000 before), so the compulsory employee contribution is 12% of basic plus DA up to that ceiling, at most Rs 3,000 a month. Employers and employees can choose to contribute on the full basic salary instead, which lowers take-home pay but increases retirement savings.
Up to what salary is there no income tax under the new regime?
For FY 2025-26 and Tax Year 2026-27, the rebate makes tax nil for a resident individual whose taxable income under the new regime is up to Rs 12 lakh. With the Rs 75,000 standard deduction, a salary of up to Rs 12.75 lakh a year carries no income tax, provided there is no income taxed at special rates. Just above this level, marginal relief limits the tax to the income exceeding Rs 12 lakh.
Which states levy professional tax on salary?
Professional tax is levied by states such as Maharashtra, Karnataka, West Bengal, Telangana, Andhra Pradesh, Tamil Nadu and Gujarat, subject to a constitutional maximum of Rs 2,500 a year. Delhi, Haryana, Uttar Pradesh and Rajasthan do not levy it on salaried employees. Professional tax paid is deductible from salary only under the old regime.

Due in the next 30 days

Income tax
  1. Tax Audit Report (Form 3CA/3CB with 3CD for FY 2025-26; Form 26 from Tax Year 2026-27)In 4 days · Income tax
  2. TDS / TCS deposit (e-Pay Tax, Challan ITNS 281) for SeptemberIn 11 days · Income tax

Full compliance calendar → Statutory dates, which can be extended by notification. General information only.

Published by SKAG and Associates, Chartered Accountants, New Delhi · Proprietor CA Gaurav Singh (ICAI M.No. 539050). General information only, not professional advice.

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