Take Home Salary Calculator India 2026-27: CTC to In-Hand Salary
The CTC vs In-Hand Reality Check
CTC stands for Cost to Company — it's everything your employer spends on you, including benefits you never directly receive. In-hand salary is what actually gets credited to your bank account after all deductions. The difference between the two surprises almost every fresher joining their first job.
Employer PF contribution (12% of basic) is part of your CTC but goes directly to your PF account, not your salary. Gratuity provision (4.81% of basic) is part of CTC but only paid after 5 years of service. Both of these make your CTC look larger than your actual annual cash earnings.
Exact In-Hand Salary for Common CTC Levels — FY 2026-27
Assuming standard salary structure (Basic = 40% of CTC, HRA = 50% of Basic, rest as Special Allowance), Old Regime, ₹1.5L 80C investment, ₹15K rent/month, Mumbai:
| Annual CTC | Basic/month | Income Tax/yr | PF/month | Monthly In-Hand | % of CTC |
|---|---|---|---|---|---|
| ₹6 Lakhs | ₹20,000 | ₹0 | ₹2,400 | ₹44,700 | 89.4% |
| ₹10 Lakhs | ₹33,333 | ₹28,600 | ₹4,000 | ₹69,700 | 83.6% |
| ₹15 Lakhs | ₹50,000 | ₹1,12,320 | ₹6,000 | ₹98,800 | 79.0% |
| ₹20 Lakhs | ₹66,667 | ₹2,34,000 | ₹8,000 | ₹1,26,500 | 75.9% |
| ₹30 Lakhs | ₹1,00,000 | ₹5,46,000 | ₹12,000 | ₹1,74,000 | 69.6% |
Estimates based on standard salary structure. Actual figures vary by company and exact salary breakup.
₹10 Lakh CTC — Full Monthly Breakdown
Calculate your exact in-hand salary
Enter your CTC components and see exact monthly in-hand — Old vs New regime compared.
Open Salary Calculator →New Regime vs Old Regime — Which Gives More In-Hand?
This is the most important decision for your salary every financial year. New Regime has lower tax rates but removes HRA exemption, 80C, 80D, and most deductions. Old Regime keeps higher rates but lets you claim everything.
| CTC | Old Regime Tax | New Regime Tax | Better Regime | Extra/year |
|---|---|---|---|---|
| ₹7 Lakhs | ₹0 | ₹0 (87A rebate) | Same | — |
| ₹10 Lakhs | ₹27,100 | ₹0 (87A rebate) | New Regime ✓ | ₹27,100 |
| ₹12 Lakhs | ₹67,600 | ₹0 (87A rebate) | New Regime ✓ | ₹67,600 |
| ₹15 Lakhs | ₹1,33,900 | ₹81,800 | New Regime ✓ | ₹52,100 |
| ₹20 Lakhs | ₹2,85,600 | ₹1,64,400 | New Regime ✓ | ₹1,21,200 |
| ₹25 Lakhs | ₹4,37,400 | ₹2,74,800 | New Regime ✓ | ₹1,62,600 |
Since the FY2026-27 changes extended the Section 87A full rebate up to ₹12 lakh taxable income under the new regime, New Regime now wins for most salaried employees across a much wider CTC range than before — even with full 80C, 80D and HRA deductions claimed under the old regime. Old Regime only pulls ahead once deductions are unusually large — a sizeable home loan interest claim, high rent in a metro, and fully maxed 80C/80D together — or at very high income levels where old regime's HRA/deduction stack outweighs new regime's lower rates. Run your specific numbers through the calculator rather than relying on a rule of thumb.
Old Regime is only worth the extra paperwork if your total deductions (HRA exemption + 80C ₹1.5L + 80D ₹25K + home loan interest, if any) are large enough to push your old-regime taxable income meaningfully below the amount that would be tax-free under New Regime's ₹12 lakh rebate threshold. For most people without a home loan, New Regime is now the simpler and often cheaper default — verify with the calculator before assuming otherwise.
How to Increase Your Monthly In-Hand Salary
Most people accept their salary structure as-is. But there are legitimate ways to increase monthly in-hand without getting a raise:
- Maximise HRA exemption by paying actual rent (up to metro/non-metro limit) and keeping receipts
- Invest ₹1.5L in PPF or ELSS every year — saves up to ₹45,000 in tax at 30% slab
- Add ₹50,000 to NPS under Section 80CCD(1B) — additional deduction on top of 80C limit
- Get health insurance under 80D — saves ₹5,000–15,000 depending on slab and coverage
- Ask HR to restructure salary towards tax-efficient components (higher HRA, add LTA, food coupons)