Old regime or new regime, and what each leaves you every month
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 18 Oct 2026, except Andhra Pradesh's profession tax schedule, which the state's tax portal did not show; the Telangana bands are used for it.Income tax is usually the largest cut out of a salary, and which regime you pick changes it a lot. This page starts on the old regime with rent entered, so the HRA exemption, 80C and your provident fund are all working, and shows the tax for the year and the month. Switch the regime at the top to see the other answer immediately.
Estimates for information only, not financial advice. Tax slabs for FY 2026-27 (AY 2027-28) under the Income-tax Act, 2025; PF, gratuity and professional tax rates reviewed on 19 Oct 2026. Your payslip is the only authority on your own package.
| Item | Per month | For the year |
|---|---|---|
| What your employer pays | ||
| Basic pay | ₹62,500 | ₹7,50,000 |
| House rent allowance | ₹31,250 | ₹3,75,000 |
| Special allowance Whatever is left of the CTC after everything else | ₹20,745 | ₹2,48,942 |
| Gross salary | ₹1,14,495 | ₹13,73,942 |
| Employer's PF Goes into your PF account, not your bank account | ₹7,500 | ₹90,000 |
| Gratuity set aside Paid only after five years of service | ₹3,005 | ₹36,058 |
| Cost to company | ₹1,25,000 | ₹15,00,000 |
| What comes out of your salary | ||
| Your PF contribution 12% of basic pay | ₹7,500 | ₹90,000 |
| Professional tax | ₹208 | ₹2,500 |
| Income tax Old regime, FY 2026-27 (AY 2027-28) | ₹9,918 | ₹1,19,010 |
| Take-home pay | ₹96,869 | ₹11,62,432 |
Rates and rules read from the sources listed on this page (the earliest on 18 Oct 2026); they may have changed since. Not covered by that date: Andhra Pradesh's profession tax schedule, which the state's tax portal did not show; the Telangana bands are used for it.
The page opens on the Old regime with a 15 lakh CTC and 25,000 rent a month; set the "Cost to company" slider to yours.
Under "Show the rest", set "Rent you pay each month", "80C beyond your PF" and "80D health insurance".
Read the "Income tax" figure and "In hand every month" for the old regime.
Switch "Tax regime" to New regime and compare the two monthly figures.
This salary calculator turns a CTC into the money that reaches your bank account each month. It splits the cost to company into its parts, takes off your provident fund, professional tax and income tax, and shows a monthly and a yearly table.
Sources: Income Tax Department for slabs and cess; Code on Social Security, 2020 (wage ceiling S.O. 5109(E), 17 September 2026) for the PF rate and ceiling; Code on Social Security, 2020, section 53 for gratuity; state professional tax schedules (read 19 October 2026 from each state department; Andhra Pradesh's could not be read). Reviewed on 19 October 2026. Estimates only, not financial advice.
The rest of the article, and all 7 questions about Salary Calculator, are on the Salary Calculator page.
Take the CTC, remove the employer's provident fund contribution and the amount set aside for gratuity, and you have gross salary. From gross salary take off your own PF, professional tax and income tax. What is left, divided by twelve, is your in-hand pay. This page does all of it once you enter the CTC.
For most salaried people the new regime does, because its rates are lower and the standard deduction is 75,000 instead of 50,000. The old regime wins when rent, 80C, health insurance and home loan interest together come to a large share of your salary. Switch the regime here and compare the two monthly figures.
Yes. Gratuity is set aside at fifteen days of basic pay for each year, which is 4.81% of yearly basic, and you can turn it off if your CTC does not include it. Bonus is a percentage of CTC that you set. Gratuity is only paid to you after five years of service, so it is not part of monthly take-home.
In-hand salary nikalna: enter the CTC and the basic percentage. The employer's provident fund and the gratuity set aside come off first to give gross salary, then your own 12% PF, your state's professional tax and income tax are deducted. What remains, divided by twelve, is your monthly pay.
Rates and rules change; check the source before you rely on a figure.
Still stuck? Ask about Salary Calculator and anybody who knows can answer. No account needed.
Same job, other tools: PF Calculator – What your PF account will hold when you retire · Leave Encashment Tax Calculator – The exempt and the taxable halves of a leave payout, with the rule that capped it · Notice Period Buyout Calculator – What an employer recovers for the notice days you do not serve.
On the related tools: 香港薪俸稅及強積金計算機 2026/27 – 計算2026/27年度香港薪俸稅與強積金：免稅額、累進稅率或標準稅率.
In the collection Salary Calculators by Country.