Salary Tools · India · FY 2026-27

What actually reaches your bank account

Turn any CTC into a real monthly in-hand figure — PF, professional tax and income tax all accounted for — and see instantly whether the old or new tax regime keeps more of it.

navtutorial.com AY 2027-28 · new & old regime

Your package

Total cost to company, as on your offer letter
45%
Most Indian offers set basic at 40–50% of CTC
50%
Paid separately, so it's excluded from the monthly figure
Product companies usually deduct 12% of full basic
ELSS, LIC, PPF…
Additional ₹50,000 deduction, old regime only

Your take-home

In-hand · per month
₹0
0 per year in-hand
Where your fixed pay goes
Take-home
PF
Income tax
Prof. tax
New regime
₹0
income tax / year
Old regime
₹0
income tax / year
Estimate only. Based on FY 2026-27 (AY 2027-28) slabs: new-regime standard deduction ₹75,000, §87A rebate ₹60,000 (zero tax up to ₹12L taxable); old regime standard deduction ₹50,000. Includes 4% health & education cess and surcharge above ₹50L. Actual take-home varies with your company's exact CTC structure, state professional tax, and other deductions. Not tax advice — confirm with a professional before decisions.