This calculator takes your annual CTC and shows what actually lands in your bank account each month — under both the Old and New tax regimes — so you can pick the one that gives you the most money. It applies the FY 2026-27 slabs (including the ₹12 lakh rebate under Section 87A in the New Regime), the latest standard deduction of ₹75,000, and accurate employee PF / professional tax deductions. Nothing is sent anywhere; the calculation runs entirely in your browser.
Your Salary Details
Old Regime
New Regime
CTC Breakdown (Annual)
Frequently Asked Questions
What is the difference between CTC and in-hand salary?
CTC (Cost to Company) is the total annual cost the employer bears, including employer PF, gratuity, insurance, and benefits. In-hand salary is what gets credited monthly after deducting employee PF, professional tax, and income tax.
Which tax regime is better in 2026?
For most salaried employees the New Regime is better, with ₹75,000 standard deduction and lower slabs. The Old Regime usually wins only if you claim deductions of ₹3.5 lakh or more (80C + HRA + home loan + 80D combined).
What are the new regime slabs for FY 2026-27?
₹0–4L: 0%; ₹4–8L: 5%; ₹8–12L: 10%; ₹12–16L: 15%; ₹16–20L: 20%; ₹20–24L: 25%; above ₹24L: 30%. Standard deduction: ₹75,000. Full rebate u/s 87A for income up to ₹12 lakh.
How is PF deducted?
Employee contributes 12% of basic salary. On the statutory wage ceiling of ₹15,000, that's ₹1,800/month. If basic is higher and the company contributes on full basic, the deduction is 12% of actual basic. Employer's 12% match is part of your CTC, not deducted from in-hand.
Is HRA exemption applied?
Yes, under Old Regime. The exemption is the least of: actual HRA received, rent paid minus 10% of basic, or 50% of basic (metro) / 40% (non-metro). New Regime does not allow HRA exemption.
What about professional tax?
Most states charge ₹200/month (₹2,400/year). We assume this standard rate. Some states are lower (₹150/month) and a few have none (Delhi, Haryana, UP for most). Adjust if your state differs.