Calculate your exact monthly take-home. Compare old vs new regime. Get personalised tax-saving tips.
FY 2025-26 (AY 2026-27)FY 2026-27 (AY 2027-28)✓ Budget 2025 — Zero tax up to ₹12.75L (new regime)
💼 Your Salary Details
₹
Quick:
Employer PF (12% of basic), gratuity (4.81% of basic) and group medical insurance are deducted from CTC before computing your salary. Your actual fixed pay = CTC minus these.
Annual variable / bonus amount (part of CTC entered above)
₹
How is it paid?
₹
⚠ Custom basic entered. Auto-calc overridden.
Auto-set to —. Change only if your payslip shows a different basic.
₹
Employer-paid medical insurance is a non-cash perquisite — not your take-home salary. Deducted from CTC for accurate calculation.
Employee pays 12% of your basic salary. Employer matches but it does not reduce your take-home.
New Regime (FY 2025-26): Zero tax up to ₹12L taxable (87A rebate). Salaried employees effectively pay zero tax up to ₹12.75L CTC (after ₹75K std deduction). Most deductions not allowed — only employer NPS below is permitted.
₹
Old Regime: Claim deductions to lower taxable income. Expand each section. The more you claim, the lower your tax.
🏠 HRA — House Rent Allowance▼
₹
₹
💰 Section 80C — Max ₹1,50,000▼
Includes ELSS, PPF, LIC premium, NSC, 5-yr FD, tuition fees, home loan principal repayment. EPF employee share is auto-included.
₹
🏥 Section 80D — Health Insurance▼
₹
₹
🏦 NPS — 80CCD(1B) Extra ₹50,000▼
Additional ₹50,000 deduction over and above the ₹1.5L 80C limit. Invest in NPS Tier I account.
₹
₹
🏡 Section 24(b) — Home Loan Interest▼
Interest on home loan for self-occupied property. Max ₹2L/year. Note: principal repayment goes under 80C.
₹
✈️ LTA — Leave Travel Allowance▼
Actual travel cost within India. Claimable twice in a 4-year block. Keep air/train tickets as proof.
₹
📋 Other Deductions▼
₹
₹
₹
💸
Enter your CTC above and click Calculate My In-Hand Salary
You'll see monthly take-home, full tax breakdown, regime comparison and personalised tax-saving tips.