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.
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% |
Written and maintained by the Tool4SaaS team. Every tool runs locally in your browser and is tested in-house for accuracy. Last updated: .
FY 2026-27 new regime default only with Rs 75k standard deduction; no HRA or 80C. Old regime needs separate computation.
Taxable income to Rs 12L gets 87A rebate up to Rs 60k; plus Rs 75k standard deduction means salaried zero-tax to Rs 12.75L.
Yes, CTC and tax math runs locally in your browser.