Tax

Salary Calculator

Drag your CTC to see exactly what lands in your bank account each month. Uses FY 2026-27 new regime tax slabs, ₹75K standard deduction, 12% EPF, and standard salary structure.

Inputs

₹
₹3.00 L₹2.00 Cr

Assumes new tax regime · Basic 40% of CTC · HRA 50% of basic · 12% EPF (employee). Standard deduction ₹75K applied.

Monthly in-hand
₹1,10,875
Annual in-hand: ₹13,30,500
Total tax
₹97,500
EPF
₹72,000
Basic salary₹6,00,000
HRA₹3,00,000
Special allowance₹5,06,400
Employer EPF₹72,000
Gratuity (employer)₹28,860

Where your CTC goes

Annual breakdown

In-handIncome TaxEPF

How the calculation works

  1. 1. Basic salary = 40% of CTC (industry standard)
  2. 2. HRA = 50% of basic (metro default)
  3. 3. EPF deduction = 12% of basic (employee share)
  4. 4. Standard deduction = ₹75,000 (new regime)
  5. 5. Tax computed on (CTC − ₹75K) using FY 2026-27 slabs
  6. 6. Rebate u/s 87A wipes tax up to ₹12L taxable income
  7. 7. 4% cess added on tax payable

Actual structure varies by company. Some include LTA, food coupons, NPS contribution, or higher basic. Use this as a baseline, not a payroll replacement.