In-Hand Salary Calculator India — Net Take Home After Tax 2026 –27
New Regime vs Old Regime · HRA · 80C · 80D · NPS · Surcharge · Monthly Take-Home
Your in-hand salary = Gross Salary − Employee PF − Income Tax TDS − Professional Tax − any other deductions (health insurance premium, NPS contribution). For a ₹15L CTC in Delhi with new tax regime, in-hand works out to approximately ₹1,00,000–₹1,10,000/month depending on structure. Enter your exact CTC and salary components for a precise monthly take-home estimate.
💼 Salary Details
📋 Old Regime Deductions
▲ HideFill deductions to compare New vs Old regime accurately
Annual Savings
📅 Monthly Salary Breakup
| Component | Monthly (₹) | Annual (₹) | % of CTC |
|---|---|---|---|
| 💼 Gross CTC | ₹1,00,000 | ₹12,00,000 | 100.0% |
| 📊 Income Tax | −₹5,927 | −₹71,126 | 5.9% |
| 🏥 PF (Employee) | −₹1,800 | −₹21,600 | 1.8% |
| 🏙️ Professional Tax | −₹200 | −₹2,400 | 0.2% |
| 💰 Net Take-Home | ₹94,073 | ₹11,28,874 | — |
📐 Income Tax Calculation — New Regime FY 2025–26
📖 Real Life Examples
HRA ₹1.2L, 80C ₹1.5L. Deductions total ~₹3.5L.
New: Std ₹75K only. Old: 80C+80D+NPS = ₹2.25L.
HRA ₹2.4L, 80C ₹1.5L, Home Loan ₹2L, NPS ₹50K.
Surcharge 10% applies. New regime limits surcharge to 25% (old: 37%) above ₹5Cr.
Frequently Asked Questions
How is monthly TDS on salary calculated?
Annual tax liability estimated at year start → divide by 12 → deduct as TDS each month. Employer uses Form 16 at year-end to reconcile. Declare investments (80C, HRA, 80D) to employer via Form 12BB to reduce TDS. If tax situation changes mid-year, employer recalculates. Submit updated declaration promptly to avoid TDS surprise.
What salary gives ₹1 lakh in-hand per month?
Approximately ₹16–18L CTC (depending on city, regime, investments). New tax regime, no deductions: ₹17L CTC ≈ ₹1,00,000 in-hand. Old tax regime with full 80C, HRA claim: ₹15L CTC ≈ ₹1,00,000 in-hand. Include allowances in structure to optimize: food coupons, LTA, gadget reimbursement — all tax-free.
What is Form 16 and when should I receive it?
Form 16: TDS certificate from employer showing total salary paid and TDS deducted during financial year. Part A: TDS details. Part B: salary breakup and deductions. Employer must issue by June 15 after financial year end. Required for filing ITR. If TDS exceeds actual tax liability, Form 16 helps claim refund.
Can I increase in-hand salary without CTC hike?
Yes — salary restructuring: (1) Convert metro HRA to higher rate allowances if not in metro. (2) Maximize food coupons (₹2,600/month exempt). (3) Use LTA entitlement every 2 years. (4) Add gadget/phone reimbursement (₹1,200/month). (5) Opt new regime if investments are low. These can add ₹5,000–₹15,000/month without changing CTC.
📌 Key Takeaways — In-Hand Salary Calculator India 2026–27
- ✅ New Regime is now the default for FY 2025–26. Opt for Old Regime only if deductions > ₹3.75L
- ✅ Zero tax in New Regime if income ≤ ₹7.75L (₹7L income + ₹75K std deduction + 87A rebate)
- ✅ Old Regime wins if HRA + 80C (₹1.5L) + 80D + NPS + Home Loan all fully claimed
- ✅ Standard deduction: ₹75,000 (New) vs ₹50,000 (Old) — Budget 2025 change
- ✅ NPS extra ₹50,000 under 80CCD(1B) reduces tax by ₹15,000 (30% slab)
- ✅ Surcharge: 10% on income ₹50L–₹1Cr · 15% on ₹1Cr–₹2Cr · 25% on ₹2Cr–₹5Cr
- ✅ Professional Tax up to ₹2,500 deductible under both regimes
- ✅ 4% Health & Education Cess applies on total tax (including surcharge)