Free tool · No sign-up · New tax regime

India In-Hand Salary Calculator

Find out what actually reaches your bank account. Enter your CTC and see every deduction — provident fund, insurance, professional tax and income tax — worked out in full.

Your salary

Everything updates as you type.

Your salary plus what your employer pays on top
₹
Taxed in full, but no PF or ESI on it
₹

Basic salary ₹47,870 a month

Professional tax and labour welfare fund both apply.

In-hand salary
₹93,727

₹11,24,718 a year

Income tax
₹0

₹0 a month

All deductions
₹24,150

For the year

Cost to company
₹12L

Gross ₹11,48,868

A CTC of ₹12,00,000 works out to a monthly gross of ₹95,739, which adds back up to ₹12,00,016 — a difference of ₹16 from rounding to whole rupees.

What comes out of your salary

Monthly figures are the yearly total divided by twelve.

DeductionPer monthPer year
Provident fund (EPF)12% of ₹47,870 a month₹1,800₹21,600
Employees’ State Insurance (ESI)Only for salaries up to ₹21,000 a month₹0₹0
Professional tax (PT)A state tax, never more than ₹2,500 a year₹208₹2,500
Labour welfare fund (LWF)A small state fund, collected once or twice a year₹4₹50
Income tax (TDS)New tax regime₹0₹0
Total deductions₹2,013₹24,150
In-hand salary₹93,727₹11,24,718

How your income tax is worked out

New tax regime. Every step shown.

Gross salary for the yearIncluding any bonus
₹11,48,868
Less: standard deductionGiven to every salaried person, no proof needed
− ₹75,000
Taxable incomeWhat the tax slabs apply to
₹10,73,868
Tax at slab ratesEach rate applies only to the income inside its band
₹47,387
Less: rebate (section 87A)Given while taxable income stays within ₹12,00,000
− ₹47,387
Health and education cess (4%)
+ ₹0
Income tax for the year0.0% of your gross salary
₹0

You pay no tax at all. The section 87A rebate covers the whole bill on a gross salary of up to ₹12,75,000.

The new regime allows nothing beyond the standard deduction — no 80C, no HRA, and no relief for the professional tax you pay. Your own provident fund contribution reduces what you take home, but not what you are taxed on.

Source: Income Tax Department

How your CTC is made up

Your gross salary plus everything your employer pays on top of it.

Gross salary for the year
₹11,48,868
Provident fund (EPF), 3.67%Goes into your EPF account
₹6,612
Pension scheme (EPS), 8.33%Always worked out on ₹15,000, however much you earn
₹15,000
Life cover (EDLI), 0.5%At most ₹75 a month
₹900
EPF admin charges, 0.5%Paid to EPFO, never reaches you
₹900
Employees’ State Insurance (ESI), 3.25%Only while your salary is within the limit
₹0
Labour welfare fund (LWF)The employer always pays the larger share
₹100
Gratuity, 4.81%Set aside monthly, paid out after five years
₹27,636
Cost to company (CTC)
₹12,00,016
Sources: EPFO · ESIC

Income tax slabs — new regime, FY 2026-27

AY 2027-28. The highlighted row is the highest band your income reaches.

Taxable incomeTax rate
Up to ₹4,00,0000%
₹4,00,001 – ₹8,00,0005%
₹8,00,001 – ₹12,00,00010%
₹12,00,001 – ₹16,00,00015%
₹16,00,001 – ₹20,00,00020%
₹20,00,001 – ₹24,00,00025%
Above ₹24,00,00030%
Source: Income Tax Department

An estimate for the new tax regime only. It assumes you work the whole financial year with one employer and have given them your PAN, and it leaves out surcharge on income above ₹50,00,000, employer NPS and voluntary provident fund. Professional tax and labour welfare fund rates are set state by state and change often — check your payslip against your state's current rates.

Sources: Income Tax Department · EPFO · ESIC · Labour codes

Running payroll across India and Asia?

naise handles provident fund, insurance, professional tax and TDS filings on the same engine behind this calculator.

Get started free