How much of your CTC do you take home?

Self-employed, or business income? Use the full tax calculation

1 Your income

My income comes from

Annual CTC or gross salary (₹) as on your offer letter; employer PF and gratuity are on top of this. A pension goes here too Annual Basic + DA (₹) on your payslip; usually 40-50% of gross HRA received (₹) house rent allowance on your payslip; part of the gross above Conveyance allowance (₹) fully taxable since 2018; part of the gross above Target bonus or variable pay (₹) the full amount if paid as agreed; 0 if none Professional tax (₹ a year) ₹2,400 to ₹2,500 in most states; 0 where it is not levied Special allowance (₹) the balance of the gross, worked out for you

Age Financial year Residential status

2 Deductions, investments and other income

Open what applies to you. Nothing opened is fine: salary alone gives a real answer.

Rent

Annual rent paid (₹) with HRA the exemption is worked out; without HRA, 80GG gives up to ₹60,000 (old regime) City

Home loan

Interest paid this year, home you live in (₹) old regime only, cap ₹2,00,000 Interest paid, a home you rent out (₹) uncapped in both regimes; loss is stranded in the new

80C investments and NPS

Count my EPF contribution in 80C (your own 12% of Basic + DA; the employer's share is exempt, not a deduction) My actual EPF + VPF contribution per year (₹) leave 0 to use 12% of Basic + DA Other 80C investments, excluding EPF (₹) PPF, ELSS, LIC, NSC, SSY, home loan principal, tuition Own NPS contribution, 80CCD(1B) (₹) the extra ₹50,000 on top of 80C Own NPS within 80C, 80CCD(1) (₹) up to 10% of Basic + DA for employees, 20% of income for the self-employed, inside the ₹1.5 lakh Employer NPS contribution (₹) 14% cap in new regime for everyone; 10% for private employers in old Central or State Government employer

Health insurance (80D)

Premium, self and family (₹) Premium, parents (₹) Parents are 60 or above

Capital gains

STCG on listed equity / equity MF (₹) held 12 months or less, taxed at 20% LTCG on listed equity / equity MF (₹) first ₹1,25,000 exempt, then 12.5% LTCG on other assets (₹) 12.5% without indexation Lottery / online gaming / crypto gains (₹) 30%

Not sure of the figures? The capital gains calculator works them out from a sale, or from your broker's Tax P&L file.

Interest, dividends and rent received

Savings account interest (₹) FD / RD interest (₹) Dividends (₹) Other income (₹) Rent received, property you let out (₹) Municipal tax paid on it (₹)

Other deductions and perks

LTA exemption claimable (₹) travel fare only Education loan interest (₹) Donations, 80G (₹) Donation category Disability Employer PF + superannuation + NPS combined (₹) above ₹7,50,000 is a taxable perquisite Other taxable perquisites (₹) company car, accommodation, per your Form 16

In-hand salary · FY 2026-27

In-hand salary for every CTC, ₹3 lakh to ₹2 crore

What each CTC pays in hand a month, the income tax in each regime, and which one is cheaper with no deductions beyond PF. Open any salary for the full breakup and the deductions at which the old regime wins, or type your own CTC.

CTC	In hand a month	Tax, new regime	Tax, old regime	Cheaper regime
₹3 lakh	₹23,300	₹0	₹0	no tax either way
₹4 lakh	₹31,133	₹0	₹0	no tax either way
₹5 lakh	₹38,967	₹0	₹0	no tax either way
₹6 lakh	₹46,800	₹0	₹15,410	new, by ₹15,410
₹7 lakh	₹54,633	₹0	₹34,960	new, by ₹34,960
₹8 lakh	₹62,467	₹0	₹54,520	new, by ₹54,520
₹9 lakh	₹70,300	₹0	₹74,070	new, by ₹74,070
₹10 lakh	₹78,133	₹0	₹93,620	new, by ₹93,620
₹11 lakh	₹85,967	₹0	₹1,13,170	new, by ₹1,13,170
₹12 lakh	₹93,800	₹0	₹1,40,590	new, by ₹1,40,590
₹13 lakh	₹99,467	₹26,000	₹1,69,920	new, by ₹1,43,920
₹14 lakh	₹1,02,642	₹81,900	₹1,99,240	new, by ₹1,17,340
₹15 lakh	₹1,09,175	₹97,500	₹2,28,570	new, by ₹1,31,070
₹16 lakh	₹1,15,708	₹1,13,100	₹2,57,900	new, by ₹1,44,800
₹17 lakh	₹1,22,133	₹1,30,000	₹2,87,230	new, by ₹1,57,230
₹18 lakh	₹1,28,233	₹1,50,800	₹3,16,560	new, by ₹1,65,760
₹19 lakh	₹1,34,333	₹1,71,600	₹3,45,880	new, by ₹1,74,280
₹20 lakh	₹1,40,433	₹1,92,400	₹3,75,210	new, by ₹1,82,810
₹21 lakh	₹1,46,425	₹2,14,500	₹4,04,540	new, by ₹1,90,040
₹22 lakh	₹1,52,092	₹2,40,500	₹4,33,870	new, by ₹1,93,370
₹23 lakh	₹1,57,758	₹2,66,500	₹4,63,200	new, by ₹1,96,700
₹24 lakh	₹1,63,425	₹2,92,500	₹4,92,520	new, by ₹2,00,020
₹25 lakh	₹1,68,983	₹3,19,800	₹5,21,850	new, by ₹2,02,050
₹26 lakh	₹1,74,217	₹3,51,000	₹5,53,050	new, by ₹2,02,050
₹27 lakh	₹1,79,450	₹3,82,200	₹5,84,250	new, by ₹2,02,050
₹28 lakh	₹1,84,683	₹4,13,400	₹6,15,450	new, by ₹2,02,050
₹29 lakh	₹1,89,917	₹4,44,600	₹6,46,650	new, by ₹2,02,050
₹30 lakh	₹1,95,150	₹4,75,800	₹6,77,850	new, by ₹2,02,050
₹32 lakh	₹2,05,617	₹5,38,200	₹7,40,250	new, by ₹2,02,050
₹35 lakh	₹2,21,317	₹6,31,800	₹8,33,850	new, by ₹2,02,050
₹40 lakh	₹2,47,483	₹7,87,800	₹9,89,850	new, by ₹2,02,050
₹45 lakh	₹2,73,650	₹9,43,800	₹11,45,850	new, by ₹2,02,050
₹50 lakh	₹2,99,817	₹10,99,800	₹13,01,850	new, by ₹2,02,050
₹60 lakh	₹3,40,385	₹15,52,980	₹17,75,240	new, by ₹2,22,260
₹70 lakh	₹3,90,118	₹18,96,180	₹21,18,440	new, by ₹2,22,260
₹75 lakh	₹4,14,985	₹20,67,780	₹22,90,040	new, by ₹2,22,260
₹80 lakh	₹4,39,852	₹22,39,380	₹24,61,640	new, by ₹2,22,260
₹90 lakh	₹4,89,585	₹25,82,580	₹28,04,840	new, by ₹2,22,260
₹1 crore	₹5,39,318	₹29,25,780	₹31,48,040	new, by ₹2,22,260
₹1.5 crore	₹7,70,403	₹48,52,770	₹50,85,130	new, by ₹2,32,360
₹2 crore	₹10,12,569	₹66,46,770	₹68,79,130	new, by ₹2,32,360

Basic at 50% of the CTC, HRA half of Basic, employer PF and gratuity on top of the CTC, ₹2,400 professional tax, age under 60, FY 2026-27. An estimate, not tax advice.

How much of your CTC do you take home?

What to do next

In-hand salary for every CTC, ₹3 lakh to ₹2 crore

What do you want to work out?

National Pension System

Glossary

How TaxCompass works, and where the numbers come from