India In-Hand Salary Calculator: FY 2025–26
Estimate monthly take-home from gross salary under India’s new regime for FY 2025–26 / AY 2026–27, with rebate, marginal relief, cess and payroll deductions.
Your inputs
Historical FY 2025–26 new-regime salary model; resident individuals only. All amounts INR.
Your result
Enter your values, then choose Calculate.
Salary-only estimate, not a payroll statement. Excludes special-rate income and surcharge cases.
Calculation breakdown
Method, assumptions and worked example
This version covers a resident individual with ordinary salary income under the new regime for FY 2025–26 (AY 2026–27), with gross salary up to ₹50 lakh. It does not calculate the old regime or claim to cover FY 2026–27.
Calculation steps
- Subtract the salary standard deduction of up to ₹75,000.
- Apply new-regime bands: 0% to ₹4 lakh, then 5%, 10%, 15%, 20% and 25% on successive ₹4 lakh bands, and 30% above ₹24 lakh.
- Apply the ordinary-income section 87A rebate up to taxable income of ₹12 lakh. Just above that threshold, marginal relief limits pre-cess tax to the smaller of slab tax and income above ₹12 lakh.
- Add 4% cess. Subtract estimated tax and actual employee payroll deductions from gross salary; divide by 12.
Worked example
Gross salary ₹12,75,000 minus ₹75,000 gives ₹12,00,000 taxable salary. The rebate removes ordinary slab tax. After ₹21,600 annual employee PF, estimated monthly in-hand pay is ₹1,04,450.
CTC can include employer PF, gratuity and benefits that are not cash salary; do not enter total CTC as gross pay. PF and professional-tax inputs reduce take-home here, not new-regime taxable salary. Special-rate income, other income, surcharge, nonresident rules, employer NPS deductions and payroll timing are excluded. Tax-return rounding may differ.
Frequently asked questions
Why is CTC not the right input?
Employer contributions and non-cash benefits may be part of CTC without being paid to you. Use annual gross cash salary from your payroll breakdown.
Does this calculate the current financial year automatically?
No. It explicitly supports FY 2025–26 / AY 2026–27 only. Do not use it for a different year without checking that year’s rules.
Sources and review
Formula and content reviewed on 9 October 2026. Examples are hypothetical. Tax years and model limits are stated above; this page does not receive live rates.