India Take-Home Pay Calculator FY 2026-27 | Tax Atlas
Calculate your FY 2026-27 in-hand salary after New Regime income tax and Section 87A rebate — monthly and annual. No signup required.
Enter your gross income above to see your FY 2026-27 India tax breakdown instantly.
What is take-home pay in India?
Take-home pay — also called net pay or in-hand salary — is the amount deposited into your bank account after all mandatory deductions have been made from your gross salary. In India, these deductions include income tax and other statutory contributions.
This calculator computes your FY 2026-27 take-home pay from the engine that powers the India income tax calculator — the same verified tax math, presented with monthly and annual take-home as the primary figures.
What's deducted from your paycheck in India
Standard deduction
₹75,000 automatically deducted from gross salary for salaried employees before any tax slab is applied. Reduces taxable income to gross minus ₹75,000.
Income tax (New Regime slabs)
0% on taxable income up to ₹4L; 5% on ₹4–8L; 10% on ₹8–12L; 15% on ₹12–16L; 20% on ₹16–20L; 25% on ₹20–24L; 30% above ₹24L.
Section 87A rebate
Full tax rebate if taxable income ≤ ₹12,00,000 — making gross salary up to ₹12,75,000 entirely tax-free. Marginal relief prevents a sudden cliff when income slightly exceeds ₹12L.
Health & Education Cess
4% charged on income tax after the Section 87A rebate. Applies universally — cannot be reduced by deductions. Funds public health and education programmes.
Professional Tax — not included
State-level tax, typically ₹200/month (₹2,400/year) deducted from salary. Varies by state. Not included in this calculator.
Provident Fund (PF) — not included
Employee's share of PF is typically 12% of basic salary. Not included — depends on your employment structure and whether you opt in.
Take-home pay at common salary levels (FY 2026-27)
Calculated from the Tax Atlas engine using the default filing status. Your actual take-home may differ based on filing status and deductions.
| Gross salary | Annual take-home | Monthly | Weekly | Eff. rate |
|---|---|---|---|---|
| ₹4,00,000 | ₹4,00,000 | ₹33,333 | ₹7,692 | 0.0% |
| ₹8,00,000 | ₹8,00,000 | ₹66,667 | ₹15,385 | 0.0% |
| ₹12,75,000 | ₹12,75,000 | ₹1,06,250 | ₹24,519 | 0.0% |
| ₹15,00,000 | ₹14,02,500 | ₹1,16,875 | ₹26,971 | 6.5% |
| ₹20,00,000 | ₹18,07,600 | ₹1,50,633 | ₹34,762 | 9.6% |
| ₹30,00,000 | ₹25,24,200 | ₹2,10,350 | ₹48,542 | 15.9% |
| ₹50,00,000 | ₹39,00,200 | ₹3,25,017 | ₹75,004 | 22.0% |
How to increase your take-home pay legally in India
Negotiate NPS employer contribution (Section 80CCD(2))
Your employer's contribution to NPS (National Pension System) up to 10% of basic salary is deductible from taxable income even under the New Regime — this deduction is not available to you personally but is when structured as an employer contribution. Ask HR to restructure your CTC to include this component.
Claim your ₹75,000 standard deduction
The ₹75,000 standard deduction is automatically applied for all salaried employees under the New Regime — no declaration or proof needed. If this is not showing on your Form 16, check with your employer.
Compare New vs Old Regime each year before filing
The New Regime generally wins for taxpayers with deductions below ~₹2–3 lakh. If you have substantial 80C investments (PPF, ELSS), 80D health insurance, and HRA, the Old Regime may still save tax. Run both calculations at the start of each financial year.
Optimize salary structure for non-taxable allowances
Certain components like meal allowances (up to ₹26,400/year for digital vouchers) and certain reimbursement accounts may be non-taxable. Consult your payroll team for compliant salary restructuring under the New Regime rules.
Choose voluntary PF contributions strategically
VPF interest is tax-free in EPF up to ₹2.5L annual contribution (₹5L for government employees). While VPF doesn't reduce taxable income under the New Regime, tax-free interest compounding over decades can be very effective.
Frequently asked questions
- What is take-home pay in India for salaried employees?
- Take-home (in-hand salary) is your gross CTC minus employer deductions: PF (12% basic), income tax via TDS, professional tax, and any health insurance premiums. This calculator shows income tax under the New Regime. Actual in-hand will also depend on your PF contribution structure and other deductions per Form 16.
- How is monthly take-home calculated from annual salary in India?
- Annual take-home is divided by 12 for monthly. Most salaried employees in India are paid monthly. Note that annual CTC (Cost to Company) often includes the employer PF contribution and benefits not directly paid to you — your actual gross salary may be lower than the CTC figure.
- What is the zero-tax salary limit in India for FY 2026-27?
- Under the New Regime, gross salary up to ₹12,75,000 is effectively tax-free for salaried employees. After the ₹75,000 standard deduction, taxable income is ₹12,00,000 — the Section 87A rebate covers the full ₹60,000 tax liability, leaving zero tax before cess. At ₹12,75,001 gross, marginal relief prevents a sudden spike — tax is just ₹1 + cess.
- Is TDS the same as income tax?
- TDS (Tax Deducted at Source) is how your employer withholds income tax from your salary and remits it to the government on your behalf. It is an advance payment toward your annual tax liability. If TDS was deducted in excess, you claim a refund when filing your ITR. TDS rates on salary are based on projected annual tax — not a separate tax.
- Why might my actual take-home differ from this calculation?
- This calculator models the New Regime for salaried employees with only the standard deduction applied. Actual take-home may differ due to: professional tax (not included), employer PF structure, TDS timing, other perquisites, and any Advance Tax corrections. For an exact figure, refer to your salary slip and Form 16.
- Is this professional tax advice?
- No. This calculator provides estimates for informational purposes only. For advice on New vs Old Regime selection, HRA computation, investment planning, and ITR filing, consult a Chartered Accountant (ICAI) or qualified tax professional.