Type your CTC (like 5.5 LPA) and see your monthly take-home after PF, professional tax and income tax for Tax year 2026-27, with every line of the calculation shown. Change the salary structure to match your offer letter, or work backwards from the in-hand amount you want.
Monthly in-hand salary on 12 LPA CTC
₹96,200
New regime, Tax year 2026-27. The old regime would give ₹12,464 a month less with these inputs.
| Component | Yearly | Monthly |
|---|---|---|
| Basic salary | ₹4,80,000 | ₹40,000 |
| HRA | ₹2,40,000 | ₹20,000 |
| Special allowance | ₹4,58,400 | ₹38,200 |
| Employer PF (part of CTC, not paid monthly) | - ₹21,600 | - ₹1,800 |
| Gross salary | ₹11,78,400 | ₹98,200 |
| Employee PF | - ₹21,600 | - ₹1,800 |
| Professional tax | - ₹2,400 | - ₹200 |
| Income tax (incl. cess) | ₹-0 | ₹-0 |
| Take-home pay | ₹11,54,400 | ₹96,200 |
Taxable income ₹11,03,400 after the ₹75,000 standard deduction. Rebate applied: ₹50,340.
Depends on your state; some states have none. The maximum is Rs 2,500 a year.
4.81% of basic, paid only when you leave after 5 years.
An estimate from the salary structure above. Your offer letter's actual split, bonuses and variable pay change the real figure. Compare regimes in detail with the old vs new tax regime calculator.
Income tax for Tax year 2026-27, PF, professional tax and gratuity.
Enter rent for the HRA exemption, plus 80C and 80D.
Not included unless you add them to CTC yourself. They are often paid once a year.
Income tax for Tax year 2026-27, new or old regime, with the rebate and marginal relief
Full breakdown: basic, HRA, special allowance, PF, gratuity, professional tax
Reverse mode: the CTC you need for a monthly in-hand amount
Adjustable basic %, HRA %, PF rule and gratuity, to match your offer letter
Old regime extras: HRA exemption from your rent, 80C and 80D
Shows how much the other regime would change your take-home
Two offers with different CTCs and structures can pay out very differently each month.
Know the CTC to ask for to reach the monthly take-home you need.
See the monthly effect of the new vs old regime on your own salary.
Assumes basic is 40% of CTC, HRA is 50% of basic, PF is 12% of basic up to Rs 15,000 a month, professional tax is Rs 2,400 a year, and gratuity is not part of CTC.
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