Enter the CTC. See the in-hand. Take-home salary calculator.
Convert annual CTC into monthly take-home pay the way payroll runs it: employer costs taken out of the CTC first, then employee PF, ESI, your state's professional tax and income tax (TDS) under the new or old regime for FY 2026-27.
Your inputs
Tamil Nadu professional tax is collected half-yearly (Greater Chennai Corporation slabs); shown here as a monthly average.
Indicative only. Assumes a resident individual below 60 with salary as the only income; actual TDS depends on your declarations to the employer.
Get a payroll quote →How take-home salary is calculated
Take-home is what reaches your bank account each month. It starts from CTC, removes what the employer pays on your behalf, then removes your own deductions.
Three worked examples
Basic + DA at 50% of CTC, HRA at 40% of basic, PF on the ₹25,000 ceiling, new tax regime unless stated. Monthly figures, rounded to the rupee.
| ₹2.4 lakh CTC, Chennai | ₹6 lakh CTC, Chennai | ₹30 lakh CTC, Bengaluru | |
|---|---|---|---|
| CTC per month | ₹20,000 | ₹50,000 | ₹2,50,000 |
| Employer PF + ESI + gratuity + bonus | ₹3,064 | ₹4,203 | ₹9,013 |
| Gross salary | ₹16,936 | ₹45,798 | ₹2,40,988 |
| Employee PF | ₹1,200 | ₹3,000 | ₹3,000 |
| Employee ESI | ₹128 | — | — |
| Professional tax | ₹208 (average) | ₹208 (average) | ₹200 |
| Income tax (TDS) | ₹0 | ₹0 (rebate) | ₹36,838 |
| Take-home | ₹15,399 | ₹42,589 | ₹2,00,949 |
At ₹30 lakh the old regime (with only PF and professional tax as deductions) would take ₹56,637 a month in tax, leaving ₹1,81,150 — the old regime only pays off with large HRA, 80C and home-loan deductions. Bonus in the ₹2.4 lakh case (₹833 a month) is paid annually, so it is not in the monthly take-home.
Income-tax slabs for FY 2026-27
Budget 2026 kept the slabs unchanged. The Income-tax Act 2025 took effect on 1 April 2026: the new regime now sits in section 202 (formerly 115BAC) and the rebate in section 156 (formerly 87A).
| Taxable income (new regime) | Rate | Taxable income (old regime, below 60) | Rate |
|---|---|---|---|
| Up to ₹4 lakh | Nil | Up to ₹2.5 lakh | Nil |
| ₹4–8 lakh | 5% | ₹2.5–5 lakh | 5% |
| ₹8–12 lakh | 10% | ₹5–10 lakh | 20% |
| ₹12–16 lakh | 15% | Above ₹10 lakh | 30% |
| ₹16–20 lakh | 20% | ||
| ₹20–24 lakh | 25% | ||
| Above ₹24 lakh | 30% |
Zero tax up to ₹12.75 lakh salary
In the new regime the rebate wipes out tax up to ₹12 lakh of taxable income; add the ₹75,000 standard deduction and a salary of ₹12.75 lakh pays nothing. Just above that, marginal relief caps the tax at the income over ₹12 lakh.
Old regime
Standard deduction ₹50,000, plus HRA exemption, 80C (up to ₹1.5 lakh including your PF), 80D and home-loan interest. Rebate up to ₹12,500 when taxable income is ₹5 lakh or less.
Cess and surcharge
4% health and education cess on all tax. Surcharge 10% above ₹50 lakh, 15% above ₹1 crore and 25% above ₹2 crore (the new regime stops at 25%).
Professional tax by State
Professional tax is a State levy capped at ₹2,500 a year. These are the slabs the calculator uses, on monthly gross salary.
| State | Slabs (per month unless stated) |
|---|---|
| Tamil Nadu | Half-yearly, on six months' income: up to ₹21,000 nil; ₹21,001–30,000 ₹180; ₹30,001–45,000 ₹425; ₹45,001–60,000 ₹930; ₹60,001–75,000 ₹1,025; above ₹75,000 ₹1,250 (Greater Chennai Corporation) |
| Karnataka | Below ₹25,000 nil; ₹25,000 and above ₹200 (₹300 in February) |
| Maharashtra | Up to ₹7,500 nil; ₹7,501–10,000 ₹175; above ₹10,000 ₹200 (₹300 in February). Women up to ₹25,000 exempt |
| Telangana, Andhra Pradesh | Up to ₹15,000 nil; ₹15,001–20,000 ₹150; above ₹20,000 ₹200 |
| West Bengal | From 1 Oct 2026: up to ₹20,000 nil; ₹20,001–30,000 ₹100; ₹30,001–50,000 ₹140; ₹50,001–1,00,000 ₹170; above ₹1,00,000 ₹208 |
| Gujarat | Below ₹12,000 nil; ₹12,000 and above ₹200 |
| Madhya Pradesh | Up to ₹18,750 nil; ₹18,751–25,000 ₹125; ₹25,001–33,333 ₹166; above ₹33,333 ₹208 (annual ₹1,500 / ₹2,000 / ₹2,500) |
| No professional tax | Delhi, Haryana, Uttar Pradesh, Rajasthan, Himachal Pradesh, Uttarakhand, Chandigarh and several other States and UTs |
Slabs checked in September 2026. Other States (Kerala, Odisha, Assam, Bihar, Jharkhand, Punjab and more) also levy professional tax — choose “Other state” and enter the monthly amount.
Take-home questions, answered
Why is take-home lower than CTC ÷ 12?+
CTC includes the employer's PF, ESI, gratuity provision and any statutory bonus, which never reach your monthly pay, and your own PF, ESI, professional tax and income tax are then deducted from gross salary.
Does the 50% wage rule reduce take-home?+
It can. Since 21 November 2025, Basic + DA must be at least half of total pay. Where a structure is below that, PF and gratuity are calculated on a higher wage, which shifts money from take-home into retirement savings.
How does the new ₹25,000 PF ceiling affect my salary?+
If your Basic + DA is above ₹15,000 and PF was capped, your PF deduction rises from ₹1,800 to as much as ₹3,000 a month from 17 September 2026. Take-home falls by up to ₹1,200, and the employer's matching share also comes out of a fixed CTC.
Is income tax included?+
Yes. The calculator estimates TDS under the new regime by default, or the old regime with your deductions. Your actual TDS depends on the declarations you give your employer and any other income.
How much salary is tax-free in FY 2026-27?+
Under the new regime, a salary of up to ₹12.75 lakh a year pays no income tax: ₹75,000 standard deduction plus the rebate that covers taxable income up to ₹12 lakh.
Is employer PF part of my taxable salary?+
No, as long as the employer's contributions to PF, NPS and superannuation together stay within ₹7.5 lakh a year. Your own PF comes out of gross salary but is not deductible in the new regime.
Why is professional tax different in February?+
Karnataka, Maharashtra and some other States collect ₹300 in February so that the year totals ₹2,500, the constitutional maximum.
Do contract workers get the same take-home?+
The same deductions apply: PF, ESI, professional tax and TDS. The staffing company is the employer and deducts them; the client pays the gross cost plus the agency fee.
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