By Take-Home Salary Calculator
Updated for FY 2025-26 (AY 2026-27)
Your Monthly In-Hand Salary
₹0
Includes ESPP deductions
New Regime Tax Applied
Annual CTC
₹0
Income & Structure
10%
Paid annually/quarterly. Reduces fixed monthly base.
40%
Usually 40% – 50%
50%
50% for Metro, 40% for Non-Metro
Deducted from CTC (~4.81% of Basic)
Tax Settings
New Regime selected. Standard deduction is ₹75,000. Income up to ₹12L is tax-free (Section 87A rebate). No other investments (80C/HRA) are deductible.
Old Regime selected. Ensure you have enough exemptions. Standard deduction is ₹50,000. 80C is capped at ₹1.5L (including your EPF).
Excl. EPF (PPF, ELSS, LIC)
Max ₹50,000
Self & Parents
Max ₹2,00,000
Total declared tax-free amount
Employee Stock Purchase (ESPP)
Deducted from net pay to buy company shares at a discount.
5%
Annual CTC Breakdown
Variable Pay / Bonus₹0
Basic Pay₹0
HRA₹0
Special Allowance₹0
Employer EPF₹0
Gratuity₹0
Gross Salary (Total Pre-Tax)
₹0
Estimated Monthly Payslip
Monthly Gross Earnings
₹0
Deductions
Employee EPF
-₹0
Professional Tax
-₹0
Income Tax (TDS)
-₹0
ESPP Contribution
-₹0
Tax Calculation Detail
Gross Income₹0
Standard Deduction-₹0
Total 80C Claimed-₹0
NPS (80CCD(1B))-₹0
Health Ins. (80D)-₹0
Home Loan (24b)-₹0
Other Exemptions-₹0
Taxable Income
₹0
Total Yearly Tax
₹0
Includes 4% Cess
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