Estimated take-home
Understand what reaches your bank.
Estimate post-tax pay from your actual CTC components. Employer costs, bonus timing, PF, and state taxes all affect take-home.
Total employer cost, up to ₹50 lakh.
Employer PF, gratuity, insurance and other non-cash benefits included in CTC. Default ₹21,600 is an assumption; edit from your offer.
Assumed paid in full for annual tax; excluded from recurring monthly cash.
Use your payslip. ₹1,800 assumes 12% of ₹15,000 pensionable pay; your contribution can differ.
Enter the amount applicable to your state. Default zero; not every state levies this tax.
Estimated monthly take-home
₹63,067
Recurring cash, excluding bonus payout. Tax assumes the full entered annual bonus is paid.
Annual breakdown
- CTC
- ₹8,00,000
- Non-cash employer costs
- -₹21,600
- Gross cash salary (including bonus)
- ₹7,78,400
- Employee PF
- -₹21,600
- Professional tax
- ₹0
- Income tax including cess
- ₹0
- Estimated annual net (including bonus)
- ₹7,56,800
Tax calculation · FY 2026–27
- Standard deduction
- ₹75,000
- 80C deduction (PF included once)
- ₹0
- Taxable income
- ₹7,03,400
- Slab tax before rebate
- ₹15,170
- Rebate / marginal relief
- ₹15,170
- Health & education cess
- ₹0
For resident salaried individuals under 60, ordinary salary income only, and CTC up to ₹50 lakh. Excludes capital gains, other income, surcharge, employer NPS, ESI and deductions not entered here. Estimates can differ materially from payroll.
How we calculate this
Gross cash = CTC − non-cash employer costs. Taxable income = gross cash − standard deduction − eligible deductions for the chosen regime. Recurring monthly take-home = (gross cash − bonus − employee PF − professional tax − annual income tax including cess) ÷ 12.
New regime: ₹0–4L at 0%, ₹4–8L at 5%, ₹8–12L at 10%, ₹12–16L at 15%, ₹16–20L at 20%, ₹20–24L at 25%, above ₹24L at 30%. Standard deduction ₹75,000; rebate up to taxable income ₹12L, with marginal relief immediately above it. Old regime: 0% to ₹2.5L, then 5% to ₹5L, 20% to ₹10L, 30% above; ₹50,000 standard deduction and rebate up to taxable income ₹5L. Cess is 4% after relief.
Both listed years use these rates. The ₹1.5L old-regime 80C limit includes employee PF once. HRA and professional tax are deducted only under the old regime. Employer benefits and PF inputs are payroll assumptions, not fixed percentages of your CTC.
Sources checked 12 September 2026. Read the Income Tax Department rates, 2026 tax memorandum, salary deductions, and EPFO employer booklet.