In-hand salary calculator FY 2026-27

Upload your offer letter or payslip as a PDF. Standard salary tables are read instantly; unusual layouts are read by AI, which picks out each line (basic, HRA, allowances, bonus, PF, NPS, reimbursements) and what kind of pay it is. The AI only reads. All tax and take-home figures are then calculated by the site’s own tested engine, and you can check and edit every line. Your document is never stored.

CTC (cost to company) is the whole package: fixed pay plus variable pay or bonus. Fixed pay is the guaranteed part. A ₹20 lakh CTC with 10% variable is ₹18 lakh fixed and ₹2 lakh variable. Your monthly salary is built from the fixed pay only; the variable part is paid separately, usually once a year, and only if targets are met.

No. Fixed pay still includes the employer’s PF and gratuity contributions, which go to your retirement accounts and never reach your bank. Take those out and you have the gross salary your payslip shows. Take your own PF, professional tax and income tax out of the gross and you have your in-hand salary. In short: CTC is more than fixed pay, which is more than gross, which is more than in-hand.

Switch to "Offer breakup", then drop in the PDF or paste the salary table. Each line (basic, HRA, allowances, bonus, PF, NPS, reimbursements) is tagged by what it is, because that decides whether it is paid monthly, paid later, taxed or saved for you. Monthly in-hand is then the monthly cash components, minus your 12% PF, professional tax and the TDS on your fixed pay.

Your bonus is taxed at your top marginal rate, not your average rate: 31.2% for most incomes above ₹24 lakh (30% plus cess). Set the payout you expect, from 0% to 150% of target, and the calculator shows the amount after tax and per payout. A ₹2 lakh target bonus at 100% leaves about ₹1.38 lakh in the 30% bracket.

Into four places. Some reaches your bank (salary, reimbursements and bonus after tax). Some is saved for you but locked away: your PF, the employer’s matching PF, employer NPS and gratuity. Some goes to income tax and professional tax. And some, like insurance or a car lease, is a benefit that is never paid as cash. The calculator splits every rupee of the CTC into these groups.

If it is paid to you as cash, it is fully taxable like any allowance. If your employer instead provides a leased car that you also use privately, only a fixed perquisite value is taxed: ₹8,000 a month for a car up to 1.6 litres, ₹10,000 above, plus ₹3,000 if a driver is provided. Mark the line as "Car lease" to compare.

Not if you submit bills. Reimbursements for official phone, internet and similar expenses are tax free in both regimes when backed by actual bills, and they arrive with your salary. Without bills, payroll taxes them like salary.

From FY 2026-27, yes. The Income-tax Rules, 2026 add Bengaluru, Hyderabad, Pune and Ahmedabad to Delhi, Mumbai, Kolkata and Chennai, so rent paid there can earn an HRA exemption of up to 50% of basic instead of 40%. The HRA exemption exists only in the old regime.

PF is normally 12% of basic from your pay, matched by your employer. Professional tax depends on your state: Karnataka and Maharashtra charge ₹200 a month and ₹300 in February, ₹2,500 a year, the constitutional ceiling. Delhi, Haryana, Uttar Pradesh and Rajasthan charge none.

Yes. Gratuity is a legal right under the Payment of Gratuity Act after five years of continuous service (one year for fixed-term employees under the Labour Codes), whether or not the offer letter lists it. It is 15/26 of a month’s basic for each year served, tax free up to ₹20 lakh.

For most salaried people the new regime wins unless deductions are large. The calculator works out both and shows the total deductions (HRA exemption, 80C, 80D, home loan interest and more) at which the old regime would come out ahead for your salary.

No. Calculations run in your browser and nothing you type is saved on a server. Pasted text is read in the browser. An uploaded PDF is read on the fly to find the salary table and is never written to disk; only if the table cannot be read is its text sent to an AI reader, and only on deployments where that is switched on.

Yes, under the new regime. The ₹75,000 standard deduction brings ₹12.75 lakh of salary down to ₹12 lakh of taxable income, and the section 87A rebate of up to ₹60,000 cancels the slab tax on it. Employer PF and gratuity inside your CTC are not salary, so the CTC that pays no tax is a little higher still.

Up to ₹4 lakh = nil; ₹4 lakh to ₹8 lakh = 5%; ₹8 lakh to ₹12 lakh = 10%; ₹12 lakh to ₹16 lakh = 15%; ₹16 lakh to ₹20 lakh = 20%; ₹20 lakh to ₹24 lakh = 25%; above ₹24 lakh = 30%. A 4% health and education cess is added to the tax, and surcharge applies above ₹50 lakh of income, capped at 25% in the new regime.

If your taxable income crosses the ₹12 lakh rebate limit by a small amount, your tax (before cess) cannot exceed that excess. On ₹12.1 lakh of taxable income the slabs give ₹61,500, but marginal relief caps it at ₹10,000, plus 4% cess, ₹10,400 in all. The calculator applies this automatically, along with marginal relief at each surcharge threshold.

The standard deduction, and your employer’s NPS contribution under section 80CCD(2), up to 14% of basic salary. That NPS deduction is the one salary lever left in the new regime: routing part of a taxable allowance into employer NPS cuts tax at your top rate. Employer contributions to PF, NPS and superannuation together are tax free only up to ₹7.5 lakh a year.