Free in-hand salary calculator
See your real take-home pay
Enter your gross salary and get your monthly in-hand pay after income tax, provident fund, and state levies — calculated from official tax tables, not AI guesses. No account needed.
Tax year: FY 2026-27 (AY 2027-28)
₹
EPF is 12% of basic. Most Indian structures set basic at 40–50% of gross.
Your take-home, instantly
Enter your annual gross salary to see the breakdown.
How this is calculated
- •Take-home = gross − income tax (TDS) − employee EPF − professional tax. Employer contributions (EPF, gratuity) are part of CTC and are not deducted here.
- •EPF is estimated as 12% of basic pay, with basic assumed at 50% of gross unless you change it. Your actual EPF depends on your salary structure.
- •Surcharge applies above ₹50L taxable income; marginal relief near slab/surcharge boundaries is not modelled.
- •These are estimates for guidance, not tax advice. Verify with a tax professional before relying on them.
Sources — FY 2026-27 (AY 2027-28)
- Income Tax Department, Government of India
Income-tax slabs, standard deduction, §87A rebate, surcharge & cess — FY 2026-27 (AY 2027-28); Finance Act 2025, unchanged in Union Budget 2026.
- Employees' Provident Fund Organisation (EPFO)
Employee provident fund contribution — 12% of basic wages.