Securing Hannav Ledger...
Securing Hannav Ledger...
Estimate your monthly in-hand pay under the New Tax Regime — income tax, professional tax, and employee PF (default 12% of basic) deducted for a realistic take-home figure.
Enter your salary components and tax regime
Gross salary before tax (excluding bonus)
Annual variable pay, performance bonus, or incentives
Employer PF, gratuity, insurance — not taxed as your income
Used for employee PF — typically ~40% of CTC
Default 12% of basic — deducted from in-hand pay
Default: ₹75,000 for new regime
₹12,25,000
₹66,300
₹11,73,700
₹5,525
₹97,808
| Item | Amount |
|---|---|
| Gross Cash Income (Salary + Bonus) | ₹13,00,000 |
| Less: Standard Deduction | - ₹75,000 |
| Taxable Salary | ₹12,25,000 |
| Slab Tax | ₹63,750 |
| Health & Education Cess (4%) | ₹2,550 |
| Total Income Tax | ₹66,300 |
| Less: Professional Tax (from salary) | - ₹2,400 |
| Less: Employee PF | - ₹57,600 |
| Annual In-hand Salary | ₹11,73,700 |
In-hand = (Annual Salary + Bonus) - Income Tax - Professional Tax - Employee PF; Employee PF = Basic × PF%In-hand salary computation using official Old/New regime slabs. Defaults to New Regime; employee PF (12% of basic) reduces take-home for realism.
In-hand (take-home) is cash you receive after income tax, professional tax, and employee PF are deducted from salary + bonus. Employer PF/gratuity inflate CTC but are not part of your monthly bank credit.
Most salaried searches for "in-hand salary calculator new tax regime" map to the default New Regime. Switch to Old Regime in the UI if you claim large 80C/HRA/home-loan deductions.
Quick Reference (FY 2026-27)
New Regime Slabs