India take-home pay calculator.
Enter an annual CTC to estimate monthly in-hand pay in India — after EPF, professional tax, and indicative income tax under the new regime. A directional estimate, not tax advice.
- Annual CTC₹15,00,000
- − Employer EPF (part of CTC)− ₹21,600
- = Gross salary₹14,78,400
- − Employee EPF (12% of basic, capped)− ₹21,600
- − Professional tax (max, state-dependent)− ₹2,500
- − Income tax (new regime, indicative)− ₹90,371
- = Net (in-hand), annual₹13,63,929
Assumes basic + DA at 50% of CTC and standard statutory rates. Excludes HRA/old-regime exemptions, surcharge, and individual declarations. Rates, wage ceilings, and tax slabs are set by Indian law and change over time; several vary by state, and the new Labour Codes are being phased in. Figures here are directional, current as of early 2026, and provided for reference only — not legal, tax, or payroll advice. Always verify against current EPFO, ESIC, CBDT, and applicable state rules, or speak with Remvix, before relying on them.
Understanding CTC vs in-hand in India.
How is in-hand salary calculated from CTC in India?
CTC includes employer contributions (like the employer's 12% EPF) that you never receive as cash. Gross salary is CTC minus those employer contributions. From gross, deduct the employee's EPF (12% of basic, capped at the ₹15,000 wage ceiling), professional tax (state-dependent, max ₹2,500/year), and income tax. What remains is in-hand pay.
Which tax regime does this use?
An indicative estimate under the default new tax regime for FY2025-26, including the ₹75,000 standard deduction and 4% cess. It excludes surcharge on very high incomes, HRA/old-regime exemptions, and individual declarations, so treat it as directional — accurate to a band, not to the rupee. As of early 2026.
Why does my actual payslip differ?
Salary structuring (basic vs allowances), your work state's professional tax slab, old-vs-new regime choice, HRA and other exemptions, and employer-specific benefits all shift the number. This tool uses a common 50% basic structure and standard statutory rates as an estimate.
Is this tax or payroll advice?
Rates, wage ceilings, and tax slabs are set by Indian law and change over time; several vary by state, and the new Labour Codes are being phased in. Figures here are directional, current as of early 2026, and provided for reference only — not legal, tax, or payroll advice. Always verify against current EPFO, ESIC, CBDT, and applicable state rules, or speak with Remvix, before relying on them.
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