SahiSalary
Last verified Income-tax Act 2025 Methodology

CTC → in-hand · FY 2026-27

What you actually take home.

Enter your CTC once. Everything else — professional tax, provident fund, deductions — we derive from the statute and cite as we go.

Cost to company, as on your offer letter or Form 16.

Sets professional tax.

Tax regime

New is the default since FY 2023-24.

Derived by SahiSalary — you never type these

Professional tax Karnataka Tax on Professions, Trades, Callings and Employments Act, 1976 (as amended 2023) · source ₹2,400
Employee PF EPF & MP Act, 1952 · 12% of basic ₹99,626
Standard deduction Income-tax Act 2025 · new regime ₹75,000
Add rent, investments and other refinements

The Code on Wages will not allow less than 50%.

These apply to the old regime only. Under the new regime we ignore them and say so.

In-hand
₹1,19,657 /mo
Breakdown

The working

How we get to the number

Encoded for financial year 2026-27, assessment year 2027-28. Salary income only — capital gains, house-property and business income are not modelled.

  • Professional tax is worked out, not asked for. Pick your state and we apply its slab: 3 published so far, plus 11 states and union territories confirmed as not levying it. Where we have not read the statute, we say so instead of showing a made-up number — and you can enter your own.
  • Basic + DA sits at the Labour Code floor. Calculators written before 21 November 2025 still assume a 25-35% basic, which understates EPF and gratuity and overstates your take-home.
  • Every figure is dated and sourced. The statute behind each derived row is printed beside it, and the verification date in the panel is rendered from the dataset itself, so it cannot drift from reality.

Questions

Questions people actually ask

Why is professional tax worked out here and typed in everywhere else?
Professional tax is a state levy with published slabs, so it is something a calculator should know. Maharashtra charges ₹200 a month and ₹300 in February; Karnataka charges ₹200 a month once your monthly wage reaches ₹25,000; Telangana charges ₹150 or ₹200 depending on the slab. Eleven states and union territories, including Delhi, Haryana, Uttar Pradesh and Rajasthan, do not levy it at all. You can still overrule our figure — the row has an edit toggle.
What is the 50% basic rule and why does it change my take-home?
The Code on Wages, 2019 came into force on 21 November 2025. It defines wages so that the excluded components — HRA, conveyance, bonus and the rest — cannot exceed half of your total remuneration. In practice basic plus DA has to be at least 50%. Because EPF and gratuity are computed on basic, a higher basic means a larger provident-fund deduction and a slightly lower in-hand figure than an older calculator would show.
Which slabs does this use for FY 2026-27?
The new regime for FY 2026-27: nil up to ₹4 lakh, 5% to ₹8 lakh, 10% to ₹12 lakh, 15% to ₹16 lakh, 20% to ₹20 lakh, 25% to ₹24 lakh and 30% above that, with a ₹75,000 standard deduction, the section 87A rebate up to ₹12 lakh of taxable income and 4% health and education cess. The Union Budget 2026 left all of these unchanged.
Should I pick the old regime or the new one?
The comparison inside the result panel answers it for your own numbers. The old regime only wins when your deductions are large relative to your salary — typically a full section 123 (the erstwhile 80C) claim, health insurance, home-loan interest and a real HRA exemption together. At most salary levels with modest deductions, the new regime leaves you with more.
Is the number exact?
It is exact for salary income under the rules we publish on the methodology page. It does not model capital gains, house-property or business income, employer retirals above the ₹7.5 lakh aggregate perquisite threshold, or state professional-tax schedules we have not yet verified — where we say so on the page rather than guessing.
Does my salary get sent anywhere?
No. The whole computation runs in your browser. There is no server to send it to and no analytics on this page at launch.

On the bench

What’s next

  • 1961 to 2025 section mapper — Where the section you know went. 80C is now s.123.
  • Old vs new regime by income band — The break-even deduction level at every salary.
  • HRA exemption by city — Metro and non-metro treated properly, per city.
  • Gratuity, EPF and NPS — Post-Labour-Code formulas, with the wage definition spelled out.