Salary Calculators for India — CTC to In-Hand Pay
Convert your CTC to monthly in-hand salary, compare tax regimes, calculate HRA exemption, and plan your finances. All calculations use verified Tax Year 2026-27 income tax slabs governed by the Income Tax Act, 2025.
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In-Hand Salary for ₹12 LPA CTC — Zero Tax Under Section 87A
₹12 LPA pays ₹0 income tax under the New Tax Regime, saving upwards of ₹1.1 Lakh compared to previous tax years.
In-Hand Salary for ₹10 LPA CTC — Tax Year 2026-27 New Tax Regime
Because taxable income is ₹9.25 Lakh (after ₹75,000 standard deduction), income tax under the New Regime is completely waived via Section 87A rebate.
How to Get ₹50,000 Per Month In-Hand: Required CTC & Deductions
To get ₹50,000 in-hand per month under the New Regime, you need a CTC of approximately ₹6.5 Lakh to ₹6.8 Lakh per annum.
New vs Old Regime for ₹12 LPA: Breakeven & Tax Savings
To beat the New Regime's ₹0 tax at ₹12 LPA, you would need over ₹4.5 Lakh in Old Regime deductions (80C + 80D + HRA + home loan).
In-Hand Salary for ₹15 LPA CTC — Tax Year 2026-27 Tax Calculation
At ₹15 LPA, annual tax under New Regime is approximately ₹1.50 Lakh, yielding roughly ₹1,02,000–₹1,07,000 net monthly in-hand.
New vs Old Regime for ₹15 LPA: Breakeven Point Analysis
Breakeven deduction threshold is approximately ₹4.0 Lakh. If your deductions (80C + HRA + Home Loan) exceed ₹4.0 Lakh, Old Regime saves tax; otherwise New Regime wins.
In-Hand Salary for ₹20 LPA CTC — Tax Year 2026-27 Tax Slabs
At ₹20 LPA, monthly take-home is roughly ₹1,30,000–₹1,35,000 under the New Tax Regime after ~₹2.6 Lakh annual tax.
Additional Pre-Computed Salary Calculators for India — CTC to In-Hand Pay Scenarios
Frequently Asked Questions
How is CTC different from take-home salary?
CTC (Cost to Company) includes your gross salary plus employer contributions (PF, gratuity provision, insurance, etc.). Take-home salary is net pay after deducting employee PF, income tax, professional tax, and any other deductions. Take-home is typically 70–85% of CTC depending on income level and deductions.
What is the standard deduction for salaried employees in Tax Year 2026-27?
Under the new tax regime for Tax Year 2026-27 (Income Tax Act, 2025), the standard deduction for salaried employees is ₹75,000. Under the old regime, it remains ₹50,000.
What is the Section 87A rebate for Tax Year 2026-27?
Under the new tax regime for Tax Year 2026-27, Section 87A provides a rebate equal to the tax payable (up to ₹60,000) for individuals with total income not exceeding ₹12,00,000. This effectively makes income up to ₹12 Lakh tax-free under the new regime.
Not sure which Salary tool for India — CTC to In-Hand Pay you need?
Choose the right tool based on your immediate financial goal:
Salary Calculator
CTC to take-home salary with full breakdown
Income Tax Calculator
Calculate income tax under new and old regime
HRA Calculator
Calculate HRA exemption for metro and non-metro cities
Gratuity Calculator
Calculate gratuity for long-serving employees
Related Financial Guides & Regulatory Analysis
Salary TDS 2026-27: New Income Tax Rules & Take-Home Salary
Complete guide to salary tax slabs, ₹75,000 standard deduction, and Section 87A rebate.
Salary Hike Percentage Calculator: New CTC & In-Hand Pay
Calculate post-appraisal net salary jump and tax bracket adjustments.
Gratuity Calculation: Formula, 5-Year Rule & Tax Exemption
Learn the statutory 15/26 formula and ₹20 Lakh tax-free ceiling.