Turn your gross monthly salary into the amount that actually reaches your bank account. Covers new-regime income tax (TDS), your 12% PF contribution and professional tax, using FY 2026-27 rules.
Three deductions turn gross salary into in-hand pay. Employee PF is 12% of basic pay plus DA. Many employers deduct it on your full basic; others cap it at the statutory wage ceiling, which rose from ₹15,000 to ₹25,000 a month on 17 September 2026, so the capped deduction is now ₹3,000 instead of ₹1,800. Professional tax is a small state levy, commonly ₹200 a month (₹2,500 a year at most), and some states such as Delhi and Haryana do not charge it. Income tax (TDS) is your estimated yearly tax divided over the months.
On ₹80,000 a month (₹9.6 lakh a year) with ₹40,000 basic, taxable income after the ₹75,000 standard deduction is ₹8.85 lakh. That is below ₹12 lakh, so new-regime tax is zero. In-hand pay is ₹80,000 minus ₹4,800 PF minus ₹200 professional tax, which is ₹75,000. On ₹1,50,000 a month, tax is about ₹1,50,800 a year (₹12,567 a month), and with capped PF of ₹3,000 the in-hand figure is roughly ₹1,34,200.
Offer letters usually quote CTC, which also includes the employer's PF share, gratuity provision, insurance and sometimes a variable bonus. Enter gross monthly salary here (what appears as "gross earnings" on your payslip), not CTC. If you only know CTC, subtract the employer PF (12% of basic) and gratuity (about 4.81% of basic) first, or use the salary hike and CTC calculator.
Assumes the new tax regime (the default) and no other income. If you choose the old regime with large deductions, your TDS will differ. Check the old vs new regime calculator first.
With ₹50,000 basic and 12% PF on full basic, about ₹93,800 a month. Taxable income is ₹11.25 lakh after the standard deduction, so tax is zero under the new regime; PF of ₹6,000 and ₹200 professional tax are deducted, leaving ₹93,800. The exact figure depends on your basic and PF method, so enter your own numbers.
It depends on your employer. By law PF is mandatory on basic up to the wage ceiling, which became ₹25,000 a month from 17 September 2026. Many employers still deduct 12% of the full basic. Choose the option that matches your payslip.
In the new regime, if your yearly salary minus the ₹75,000 standard deduction is ₹12 lakh or less, the section 156 rebate cancels the tax. That means salaries up to ₹12.75 lakh a year usually have no TDS.
No. Under the new regime the deduction for professional tax is not allowed, so this calculator does not subtract it from taxable income. It is still deducted from your pay.
No. The employer share of PF is paid on top of your gross salary and goes into your EPF and EPS accounts. It is part of CTC but never reaches your bank account each month.