Estimate CTC to take-home salary for FY 2025-26
Enter annual CTC and the salary proportions from your offer or payslip. The result separates basic pay, HRA, special allowance, employer costs, employee PF, entered professional tax, and estimated income tax. Monthly take-home is the annual estimate divided by 12.
How to use this estimator
- Confirm the supported year: FY 2025-26, corresponding to AY 2026-27.
- Enter CTC, basic percentage, HRA percentage, and whether gratuity is included.
- Choose a PF assumption and enter the professional tax actually payable for the year.
- Choose New or Old Regime. For the old regime, enter only eligible deductions and rent actually paid.
- Review the result against your employer's breakdown.
Supported scope and assumptions
This estimate is for an Indian resident under age 60 with ordinary salary income only and annual CTC up to Rs 50 lakh. It does not model capital gains, freelance income, other income, surcharge, relief under section 89, salary arrears, bonus timing, or a part-year job. It is not a tax return or a payroll-compliance check.
Basic is a percentage of CTC, HRA is a percentage of basic, and special allowance is the balance. Employer and employee PF use the selected rate on full basic without a wage cap. Selecting 0% removes both contributions in this model; eligibility must be confirmed separately. Gratuity provision is an optional 4.81% of basic CTC assumption, not a gratuity-entitlement calculation. Insurance, employer NPS, DA, and other package components are not modeled.
Professional tax defaults to zero and must be entered from the applicable state/payroll rules. It reduces cash take-home in both regimes and taxable salary only in the old regime. Employee PF is included with other eligible 80C investments within the combined Rs 1,50,000 old-regime cap; it is not deducted again or deducted under the new regime.
Tax basis and sources
For FY 2025-26, the new-regime bands start at Rs 4 lakh, with 5%, 10%, 15%, 20%, 25%, and 30% bands. This model applies the resident rebate up to Rs 12 lakh taxable income and marginal relief immediately above it. Old-regime under-60 bands and the Rs 5 lakh rebate threshold are also included. Cess is 4%. See the Income Tax Department's AY 2026-27 guidance.
Standard deductions used are Rs 75,000 (new) and Rs 50,000 (old), limited by salary. See the official AY 2026-27 ITR-1 validation rules. The model uses eligible HRA and self-occupied home-loan interest only in the old regime. Sources checked 20 September 2026; the tool remains explicitly scoped to FY 2025-26.
Worked salary example
At Rs 10,00,000 CTC, basic 40%, HRA 50% of basic, PF 12%, gratuity enabled, and professional tax zero: basic is Rs 4,00,000; HRA Rs 2,00,000; employer PF Rs 48,000; gratuity provision Rs 19,240; and special allowance Rs 3,32,760. Gross salary is Rs 9,32,760. The new-regime taxable estimate is Rs 8,57,760 and the rebate reduces income tax to zero. After employee PF of Rs 48,000, annual take-home is Rs 8,84,760, or Rs 73,730 per month.
Common questions
Is this for the latest financial year?
The supported year is FY 2025-26 (AY 2026-27). Do not use the label or result as confirmation of another year's tax treatment.
Why can my payslip differ?
Employers may use different basic, PF, gratuity, benefit, and tax-withholding arrangements. The display rounds amounts to whole rupees, and the monthly result spreads annual amounts evenly rather than modeling monthly payroll.
Why do I get an input error?
Amounts must be nonnegative; basic, HRA, employer PF, and gratuity cannot exceed CTC. Unsupported CTC above Rs 50 lakh is rejected. Deduction inputs represent amounts already eligible under the applicable rules.
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