India in-hand salary calculator (FY 2026-27)

Your monthly take-home after income tax (new regime), 4% cess, PF and professional tax.

In-hand salary per month
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In-hand salary by CTC

₹5 lakh₹39,867/month in hand₹6 lakh₹48,200/month in hand₹8 lakh₹64,867/month in hand₹10 lakh₹81,533/month in hand₹12 lakh₹98,200/month in hand₹15 lakh₹1,15,075/month in hand₹18 lakh₹1,35,633/month in hand₹20 lakh₹1,48,833/month in hand₹25 lakh₹1,79,883/month in hand₹30 lakh₹2,08,550/month in hand₹40 lakh₹2,65,883/month in hand₹50 lakh₹3,23,217/month in hand

Questions

What are the income tax slabs for FY 2026-27 (new regime)?

Unchanged by Budget 2026: nil up to ₹4 lakh, 5% for ₹4–8 lakh, 10% for ₹8–12 lakh, 15% for ₹12–16 lakh, 20% for ₹16–20 lakh, 25% for ₹20–24 lakh and 30% above ₹24 lakh, plus 4% health and education cess.

Is salary up to ₹12.75 lakh tax-free?

Yes, under the new regime. The ₹75,000 standard deduction brings ₹12.75 lakh down to ₹12 lakh of taxable income, and the Section 87A rebate of up to ₹60,000 cancels the tax on it. Just above ₹12 lakh, marginal relief caps the tax at the amount your income exceeds ₹12 lakh.

Does PF reduce my tax in the new regime?

No. Employee PF is deducted from your in-hand pay, but Section 80C deductions are not available under the new regime.

Which year does this cover?

Financial year 2026-27 (April 2026 to March 2027, assessment year 2027-28). The page will be updated when Budget 2027 sets FY 2027-28 rates.

Sources

Updated 2026-11-11. Estimates for planning only, not tax advice.