ZERO-API TOOL 02NEW TAX REGIME (FY 2026–2027)•100% Private • Pure Client-Side Math

In-Hand CTC Salary Calculator (2026)

Wondering what your offer letter CTC actually translates to in your bank account? Calculate exact monthly take-home cash after Employee PF, Professional Tax, and Section 115BAC New Tax Regime slabs.

₹6.50 LPA
₹
Popular Offers:
Metro City Workstation?Delhi, BLR, BOM, CCU (50% HRA)
Cap EPF at ₹1,800/mo?Statutory EPFO wage ceiling
CTC Includes Employer PF?Standard MNC offer letters
ESTIMATED NET BANK CREDIT
Your Monthly In-Hand Cash (Take-Home)
₹49,064/ month

From an annual CTC of ₹6,50,000, you take home approximately ₹5,88,768 annually (91% of CTC) directly credited to your salary account on the last working day of each month.

Annual Net In-Hand
₹5,88,768
91% of Offer Letter
Total Annual Deductions
₹24,000
PF + PT + Income Tax
Income Tax (New Regime 115BAC)
₹0 / yr
✓ 100% Tax-Free (87A Rebate)
Where Does Your CTC Go?Visual Allocation
In-Hand Cash (91%)Employee PF (3%)Income Tax (0%)Employer Buffer (6%)

Itemized Monthly Salary Slip (Earnings vs Deductions)

Standard Indian corporate payroll structure breakdown.

(+) Monthly Earnings (Gross Pay)

Basic Salary (50% of CTC)₹27,083
House Rent Allowance (HRA)₹13,542
Special / Flexible Allowances₹10,439
Total Gross Earnings₹51,064

(-) Monthly Deductions

Employee PF (EPF 12%)-₹1,800
Professional Tax (PT)-₹200
TDS Income Tax (New Regime)₹0 (Rebate)
Total Monthly Deductions-₹2,000
Net In-Hand Salary Credited to Bank:
Gross Pay (₹51,064) minus Total Deductions (₹2,000)
₹49,064 / mo
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