CalcKit💰 In-Hand Salary Calculator
CTC se haath me kitna aayega? Exact breakup dekho.
Enter your annual CTC to see your real monthly take-home. Uses standard salary structure (basic 50% of CTC, PF 12%, gratuity 4.81%) and FY 2026-27 new-regime slabs — zero tax up to ₹12 lakh via the Section 87A rebate. Compare with the old regime too.
Estimate using standard assumptions — your payslip may differ. Not tax advice.
Frequently Asked Questions
What is in-hand salary?
The amount credited to your bank account each month = CTC minus employer PF, gratuity, your PF, professional tax and income tax.
Is salary up to ₹12 lakh tax-free in FY 2026-27?
Yes, under the new regime the Section 87A rebate wipes out tax on taxable income up to ₹12 lakh (₹12.75L salary with the ₹75,000 standard deduction).
Which regime is better, old or new?
For most salaried people without big 80C/HRA deductions, the new regime gives higher take-home. This calculator shows both — compare.
Why does my payslip differ?
Employers use different basic-salary splits, allowances and state professional-tax rates. This uses standard assumptions — treat it as an estimate.