Convert CTC to monthly in-hand pay for FY 2026-27 new regime. EPF 12%, ESI under Rs 21k, professional tax and TDS with 87A rebate offline.
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Quick answer: In-Hand Salary Calculator India FY 2026-27 — CTC to monthly in-hand Free, no signup, runs in your browser. See below for the interactive tool, 4-step guide and FAQs.
Enter CTC and Basic + DA
Gross annual (CTC − employer PF)
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Employee PF / year (12%)
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Professional tax / year
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Taxable income (gross − ₹75k std. deduction)
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Slab tax
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Rebate (87A / marginal relief)
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Health & education cess (4%)
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Annual tax (incl. cess)
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| Taxable slab | Rate |
|---|---|
| Up to ₹4,00,000.00 | 0% |
| Up to ₹8,00,000.00 | 5% |
| Up to ₹12,00,000.00 | 10% |
| Up to ₹16,00,000.00 | 15% |
| Up to ₹20,00,000.00 | 20% |
| Up to ₹24,00,000.00 | 25% |
| Above ₹24,00,000.00 | 30% |
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FY 2026-27 keeps the new regime as default with Rs 75,000 standard deduction and no HRA or 80C. The old regime allows HRA and 80C but needs more proof. Pick new for simple pay. Pick old if claims are large. Compare both and see /terms.
Staff pay zero tax to Rs 12,75,000 in FY 2026-27. You subtract Rs 75,000 deduction to reach Rs 12,00,000 taxable. The 87A rebate wipes tax up to Rs 60,000. Above this mark, slabs and 4% cess apply. This is info only. Consult a CA. See /terms.
Yes. CTC TDS math stays on your phone only. Basic PF sums run here offline with no net call and no login. For instance, Rs 10,80,000 stays in-tab, works net-off, and clears on close. Estimates only, not tax advice. See /terms.
Because crossing Rs 12,75,000 forfeits 87A shelter, so Rs 13,50,000 minus Rs 75,000 leaves Rs 12,75,000 taxable facing slabs near Rs 60,000 and 4% cess Rs 2,400, totalling Rs 62,400 versus zero below. Marginal spike exceeds increment. Model Rs 12,75,000 versus Rs 13,50,000 here. See /terms.
Statutory carve-outs bite before payout, Rs 12,00,000 CTC with Rs 6,00,000 Basic incurs Rs 72,000 EPF (12%), Rs 2,400 professional tax and 4.81% gratuity accrual Rs 28,860, leaving Rs 10,96,740 divisible cash before TDS. Sub-Rs 21,000 earners add 0.75% ESI. Reconcile offer letters via /document-generator. Payroll maths only, not labor counsel. See /terms.
FY 2026-27 defaults salaried taxpayers to the new 115BAC regime with Rs 75,000 standard deduction, concessional slabs, and Rs 60,000 87A rebate sheltering Rs 12,75,000 gross. It bars HRA exemption, 80C investments, 80D beyond defaults, and home-loan interest set-off. The legacy old regime preserves HRA metro 50% and 80C Rs 1,50,000, 80D, and steeper slabs demanding documentation. Regime contrast table: | Feature | New default | Old optional | Standard deduction | Rs 75k | Rs 50k | HRA | Nil | Exempt | 80C | Nil | Rs 1.5L |. Clean single-income earners favor new; HRA-heavy Mumbai renters with Rs 3,00,000 claims favor old. Our in-hand salary calculator computes monthly TDS under new rules privately offline. Edge case: senior citizens with medical premiums may still tilt old. Limitation: excludes perquisite valuation, leave encashment slabs, and surcharge tapers. Weigh CTC structuring via /salary-calculator. Regime explainer only, not tax advice. See /terms.
House Rent Allowance, 80C basket, and Tax Deducted at Source interplay defines monthly cash timing. Under old rules, Rs 4,80,000 yearly rent in Mumbai with Rs 6,00,000 Basic yields HRA exemption near Rs 3,00,000 after 10% salary least-of formula; 80C absorbs EPF Rs 72,000 and PPF top-up to Rs 1,50,000. TDS slices estimated annual liability across 12 payrolls after 87A and cess. Deduction stack table: | Head FY26 new | Benefit | Head old | Benefit | Standard | Rs 75k | Standard | Rs 50k | 87A | Rs 60k to 12.75L | 87A | Lower threshold | EPF | Statutory | 80C | Rs 1.5L |. New regime skips proofs, accelerating payroll. Edge case: job switch merging two Form 16s without declaration duplicates rebate, triggering demand notices. Limitation: flat TDS view ignores advance-tax interest 234B/C and Form 12BB misdeclarations. Generate slips via /document-generator. Payroll primer only, not filing counsel. See /terms.
Consider Rs 12,75,000 CTC in FY 2026-27 under new regime: subtract Rs 75,000 standard deduction for Rs 12,00,000 taxable, compute slabs near Rs 60,000, then apply 87A rebate wiping liability to zero and zero cess. Net monthly in-hand after Rs 72,000 EPF and Rs 2,400 professional tax nears Rs 99,000 before allowances. Cliff table warns progression: | Gross FY26 new | Taxable | Tax and cess | Rs 12,75,000 | Rs 12,00,000 | Rs 0 | Rs 13,50,000 | Rs 12,75,000 | Rs 62,400 | Rs 15,00,000 | Rs 14,25,000 | Rs 1,05,000 |. Seventy-five thousand extra gross triggers Rs 62,400 levy. Edge case: Rs 21,000 threshold entrants toggle ESI 0.75% employee bite, trimming in-hand Rs 150 monthly. Limitation: simplified TDS ignores gratuity accrual, employer PF matching exclusions, and variable bonus quarterly withholding. Model US parallels on the US Paycheck tab of our salary calculator. Illustrative computation only, not chartered-accountancy guidance before filing returns carefully. See /terms.