{"id":618,"date":"2026-06-12T11:06:14","date_gmt":"2026-06-12T11:06:14","guid":{"rendered":"https:\/\/mybharatportal.com\/tools\/?page_id=618"},"modified":"2026-10-24T08:23:51","modified_gmt":"2026-10-24T08:23:51","slug":"salary-calculator","status":"publish","type":"page","link":"https:\/\/mybharatportal.com\/tools\/salary-calculator\/","title":{"rendered":"Salary Calculator India 2026-27 | CTC to In-Hand Salary"},"content":{"rendered":"\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h1 class=\"wp-block-heading\">Salary Calculator India \u2014 CTC to In-Hand FY 2026-27<\/h1>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-theme-palette-3-color has-text-color has-link-color wp-elements-e4ae4924b58b1c395ae698507058c1e1 wp-block-paragraph\">This free salary calculator instantly converts your CTC to take-home salary. It includes PF, ESI, HRA, professional tax, gratuity, and both New &amp; Old income tax regimes \u2014 updated for FY 2026-27.<\/p>\n\n\n\n<!-- ================================================================\n     MY BHARAT \u2014 SALARY CALCULATOR (CTC to In-Hand)\n     Paste this ENTIRE block into a Kadence \"Custom HTML\" block.\n     Self-contained: no external JS\/CSS dependencies.\n     Brand colors used: Blue #0057CC (primary), Green #14C992 (positive\/success),\n     Orange #FF6B35 (accent\/highlight). Fonts assume Sora\/DM Sans are already\n     loaded by your Kadence theme; safe fallbacks included.\n     ================================================================ -->\n<div id=\"mbp-sal-calc\" style=\"--mbp-blue:#0057CC;--mbp-green:#14C992;--mbp-orange:#FF6B35;--mbp-ink:#1A1D29;--mbp-muted:#6B7280;--mbp-bg:#F7F9FC;--mbp-border:#E3E8F0;font-family:'DM Sans',system-ui,-apple-system,sans-serif;max-width:720px;margin:0 auto;background:#fff;border:1px solid var(--mbp-border);border-radius:16px;padding:24px;box-shadow:0 2px 12px rgba(0,0,0,0.05);color:var(--mbp-ink);\">\n\n  <div style=\"display:flex;align-items:center;gap:8px;margin-bottom:4px;\">\n    <span style=\"background:var(--mbp-green);color:#fff;font-size:11px;font-weight:700;padding:3px 9px;border-radius:20px;letter-spacing:.3px;\">FY 2026-27<\/span>\n    <span style=\"color:var(--mbp-muted);font-size:12px;\">CTC \u2192 In-Hand Salary<\/span>\n  <\/div>\n  <h3 style=\"font-family:'Sora',system-ui,sans-serif;font-size:20px;margin:6px 0 16px;color:var(--mbp-ink);\">\ud83d\udcb0 Calculate Your In-Hand Salary<\/h3>\n\n  <label style=\"display:block;font-size:13px;font-weight:600;margin-bottom:6px;\">Annual CTC (\u20b9)<\/label>\n  <input type=\"number\" id=\"mbp-ctc\" value=\"1200000\" min=\"200000\" max=\"10000000\" step=\"10000\" style=\"width:100%;padding:10px 12px;font-size:16px;border:1.5px solid var(--mbp-border);border-radius:10px;margin-bottom:14px;box-sizing:border-box;font-weight:600;color:var(--mbp-blue);\">\n\n  <div style=\"display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:14px;\">\n    <div>\n      <label style=\"display:block;font-size:12px;font-weight:600;margin-bottom:5px;\">Basic Salary (% of CTC)<\/label>\n      <input type=\"number\" id=\"mbp-basic-pct\" value=\"40\" min=\"30\" max=\"60\" style=\"width:100%;padding:8px 10px;border:1.5px solid var(--mbp-border);border-radius:8px;box-sizing:border-box;\">\n    <\/div>\n    <div>\n      <label style=\"display:block;font-size:12px;font-weight:600;margin-bottom:5px;\">City Type<\/label>\n      <select id=\"mbp-city\" style=\"width:100%;padding:8px 10px;border:1.5px solid var(--mbp-border);border-radius:8px;box-sizing:border-box;\">\n        <option value=\"50\">Metro (50% HRA)<\/option>\n        <option value=\"40\">Non-Metro (40% HRA)<\/option>\n      <\/select>\n    <\/div>\n  <\/div>\n\n  <div style=\"margin-bottom:14px;\">\n    <label style=\"display:block;font-size:12px;font-weight:600;margin-bottom:5px;\">Annual Bonus (included in CTC)<\/label>\n    <input type=\"number\" id=\"mbp-bonus\" value=\"0\" min=\"0\" style=\"width:100%;padding:8px 10px;border:1.5px solid var(--mbp-border);border-radius:8px;box-sizing:border-box;\">\n  <\/div>\n\n  <div style=\"display:flex;border:1.5px solid var(--mbp-border);border-radius:10px;overflow:hidden;margin-bottom:14px;\">\n    <button type=\"button\" id=\"mbp-tab-new\" onclick=\"mbpSwitchRegime('new')\" style=\"flex:1;padding:10px;border:none;background:var(--mbp-blue);color:#fff;font-weight:700;cursor:pointer;font-size:13px;\">New Regime<\/button>\n    <button type=\"button\" id=\"mbp-tab-old\" onclick=\"mbpSwitchRegime('old')\" style=\"flex:1;padding:10px;border:none;background:#fff;color:var(--mbp-ink);font-weight:700;cursor:pointer;font-size:13px;\">Old Regime<\/button>\n  <\/div>\n\n  <div id=\"mbp-old-fields\" style=\"display:none;background:var(--mbp-bg);border-radius:10px;padding:14px;margin-bottom:14px;\">\n    <div style=\"display:grid;grid-template-columns:1fr 1fr;gap:10px;\">\n      <div>\n        <label style=\"display:block;font-size:11px;font-weight:600;margin-bottom:4px;\">Section 80C (max \u20b91,50,000)<\/label>\n        <input type=\"number\" id=\"mbp-80c\" value=\"150000\" max=\"150000\" min=\"0\" style=\"width:100%;padding:7px 9px;border:1.5px solid var(--mbp-border);border-radius:8px;box-sizing:border-box;\">\n      <\/div>\n      <div>\n        <label style=\"display:block;font-size:11px;font-weight:600;margin-bottom:4px;\">Section 80D (max \u20b925,000)<\/label>\n        <input type=\"number\" id=\"mbp-80d\" value=\"0\" max=\"25000\" min=\"0\" style=\"width:100%;padding:7px 9px;border:1.5px solid var(--mbp-border);border-radius:8px;box-sizing:border-box;\">\n      <\/div>\n      <div>\n        <label style=\"display:block;font-size:11px;font-weight:600;margin-bottom:4px;\">Annual Rent Paid (HRA claim)<\/label>\n        <input type=\"number\" id=\"mbp-rent\" value=\"0\" min=\"0\" style=\"width:100%;padding:7px 9px;border:1.5px solid var(--mbp-border);border-radius:8px;box-sizing:border-box;\">\n      <\/div>\n      <div>\n        <label style=\"display:block;font-size:11px;font-weight:600;margin-bottom:4px;\">NPS 80CCD(1B) (max \u20b950,000)<\/label>\n        <input type=\"number\" id=\"mbp-nps\" value=\"0\" max=\"50000\" min=\"0\" style=\"width:100%;padding:7px 9px;border:1.5px solid var(--mbp-border);border-radius:8px;box-sizing:border-box;\">\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <button type=\"button\" onclick=\"mbpCalculate()\" style=\"width:100%;padding:13px;background:var(--mbp-orange);color:#fff;border:none;border-radius:10px;font-size:15px;font-weight:700;cursor:pointer;letter-spacing:.2px;\">\n    \u26a1 Calculate My In-Hand Salary\n  <\/button>\n\n  <div id=\"mbp-result\" style=\"display:none;margin-top:20px;\">\n    <div style=\"background:linear-gradient(135deg,var(--mbp-blue),#0069F5);border-radius:12px;padding:18px;text-align:center;color:#fff;margin-bottom:14px;\">\n      <div style=\"font-size:12px;opacity:.85;margin-bottom:4px;\">Monthly In-Hand Salary<\/div>\n      <div id=\"mbp-out-monthly\" style=\"font-size:32px;font-weight:800;font-family:'Sora',sans-serif;\">\u20b90<\/div>\n      <div id=\"mbp-out-annual\" style=\"font-size:12px;opacity:.85;margin-top:4px;\">Annual: \u20b90<\/div>\n    <\/div>\n\n    <div style=\"display:grid;grid-template-columns:1fr 1fr 1fr;gap:8px;margin-bottom:14px;\">\n      <div style=\"background:var(--mbp-bg);border-radius:8px;padding:10px;text-align:center;\">\n        <div style=\"font-size:10px;color:var(--mbp-muted);margin-bottom:3px;\">Gross \/ mo<\/div>\n        <div id=\"mbp-out-gross\" style=\"font-size:14px;font-weight:700;\">\u20b90<\/div>\n      <\/div>\n      <div style=\"background:var(--mbp-bg);border-radius:8px;padding:10px;text-align:center;\">\n        <div style=\"font-size:10px;color:var(--mbp-muted);margin-bottom:3px;\">Tax \/ yr<\/div>\n        <div id=\"mbp-out-tax\" style=\"font-size:14px;font-weight:700;color:var(--mbp-orange);\">\u20b90<\/div>\n      <\/div>\n      <div style=\"background:var(--mbp-bg);border-radius:8px;padding:10px;text-align:center;\">\n        <div style=\"font-size:10px;color:var(--mbp-muted);margin-bottom:3px;\">Effective Tax Rate<\/div>\n        <div id=\"mbp-out-etr\" style=\"font-size:14px;font-weight:700;\">0%<\/div>\n      <\/div>\n    <\/div>\n\n    <div style=\"border:1.5px solid var(--mbp-border);border-radius:10px;overflow:hidden;\">\n      <table style=\"width:100%;border-collapse:collapse;font-size:13px;\">\n        <tbody id=\"mbp-out-table\"><\/tbody>\n      <\/table>\n    <\/div>\n    <div style=\"font-size:11px;color:var(--mbp-muted);margin-top:10px;\">Estimates only, based on standard payroll assumptions. Professional tax and HRA rules vary by state\/employer. Consult a CA for exact tax advice.<\/div>\n  <\/div>\n<\/div>\n\n<script>\n(function(){\n  window.mbpRegime = 'new';\n  window.mbpSwitchRegime = function(r){\n    window.mbpRegime = r;\n    var tn = document.getElementById('mbp-tab-new'), to = document.getElementById('mbp-tab-old');\n    var of = document.getElementById('mbp-old-fields');\n    if(r === 'new'){\n      tn.style.background = '#0057CC'; tn.style.color = '#fff';\n      to.style.background = '#fff'; to.style.color = '#1A1D29';\n      of.style.display = 'none';\n    } else {\n      to.style.background = '#0057CC'; to.style.color = '#fff';\n      tn.style.background = '#fff'; tn.style.color = '#1A1D29';\n      of.style.display = 'block';\n    }\n  };\n\n  function fmt(n){\n    n = Math.round(n);\n    return '\u20b9' + n.toLocaleString('en-IN');\n  }\n\n  function newRegimeTax(taxable){\n    if(taxable <= 0) return 0;\n    var slabs = [[400000,0],[800000,0.05],[1200000,0.10],[1600000,0.15],[2000000,0.20],[2400000,0.25],[Infinity,0.30]];\n    var tax = 0, prev = 0;\n    for(var i=0;i<slabs.length;i++){\n      var upper = slabs[i][0], rate = slabs[i][1];\n      if(taxable > prev){\n        tax += (Math.min(taxable,upper) - prev) * rate;\n        prev = upper;\n      } else break;\n    }\n    if(taxable <= 1200000) tax = 0; \/\/ Section 87A rebate, FY 2026-27\n    return tax * 1.04; \/\/ 4% health &#038; education cess\n  }\n\n  function oldRegimeTax(taxable){\n    if(taxable <= 0) return 0;\n    var slabs = [[250000,0],[500000,0.05],[1000000,0.20],[Infinity,0.30]];\n    var tax = 0, prev = 0;\n    for(var i=0;i<slabs.length;i++){\n      var upper = slabs[i][0], rate = slabs[i][1];\n      if(taxable > prev){\n        tax += (Math.min(taxable,upper) - prev) * rate;\n        prev = upper;\n      } else break;\n    }\n    if(taxable <= 500000) tax = 0; \/\/ Section 87A rebate (old regime)\n    return tax * 1.04;\n  }\n\n  window.mbpCalculate = function(){\n    var ctc = parseFloat(document.getElementById('mbp-ctc').value) || 0;\n    var basicPct = (parseFloat(document.getElementById('mbp-basic-pct').value) || 40) \/ 100;\n    var hraPct = (parseFloat(document.getElementById('mbp-city').value) || 50) \/ 100;\n    var bonus = parseFloat(document.getElementById('mbp-bonus').value) || 0;\n\n    var basic = ctc * basicPct;\n    var wageCeil = Math.min(basic\/12, 15000) * 12; \/\/ PF wage ceiling \u20b915,000\/mo\n    var employerPF = wageCeil * 0.12;\n    var employeePF = wageCeil * 0.12;\n    var gratuity = basic * 0.0481;\n    var proTax = 2400; \/\/ \u20b9200\/month standard assumption\n\n    var gross = ctc - employerPF - gratuity;\n    var hra = basic * hraPct;\n    var special = Math.max(gross - basic - hra, 0);\n\n    var tax, stdDeduction, extra = '';\n    if(window.mbpRegime === 'new'){\n      stdDeduction = 75000;\n      var taxable = Math.max(gross - stdDeduction, 0);\n      tax = newRegimeTax(taxable);\n    } else {\n      stdDeduction = 50000;\n      var c80c = Math.min(parseFloat(document.getElementById('mbp-80c').value)||0, 150000);\n      var c80d = Math.min(parseFloat(document.getElementById('mbp-80d').value)||0, 25000);\n      var rent = parseFloat(document.getElementById('mbp-rent').value)||0;\n      var nps = Math.min(parseFloat(document.getElementById('mbp-nps').value)||0, 50000);\n      var hraExempt = 0;\n      if(rent > 0){\n        hraExempt = Math.max(0, Math.min(hra, rent - 0.10*basic, hraPct*basic));\n      }\n      var taxableOld = Math.max(gross - stdDeduction - c80c - c80d - hraExempt - nps, 0);\n      tax = oldRegimeTax(taxableOld);\n    }\n\n    var netAnnual = gross - tax - employeePF - proTax;\n    var monthly = netAnnual \/ 12;\n    var etr = ctc > 0 ? (tax\/ctc*100) : 0;\n\n    document.getElementById('mbp-out-monthly').textContent = fmt(monthly);\n    document.getElementById('mbp-out-annual').textContent = 'Annual: ' + fmt(netAnnual);\n    document.getElementById('mbp-out-gross').textContent = fmt(gross\/12);\n    document.getElementById('mbp-out-tax').textContent = fmt(tax);\n    document.getElementById('mbp-out-etr').textContent = etr.toFixed(1) + '%';\n\n    var rows = [\n      ['Basic Salary (monthly)', fmt(basic\/12)],\n      ['HRA (monthly)', fmt(hra\/12)],\n      ['Special Allowance (monthly)', fmt(special\/12)],\n      ['Employee PF (monthly)', '-' + fmt(employeePF\/12)],\n      ['Professional Tax (monthly)', '-' + fmt(proTax\/12)],\n      ['Income Tax (monthly)', '-' + fmt(tax\/12)]\n    ];\n    var html = '';\n    rows.forEach(function(r, idx){\n      var bg = idx % 2 === 0 ? '#fff' : '#F7F9FC';\n      html += '<tr style=\"background:'+bg+';\"><td style=\"padding:9px 12px;color:#6B7280;\">'+r[0]+'<\/td><td style=\"padding:9px 12px;text-align:right;font-weight:600;\">'+r[1]+'<\/td><\/tr>';\n    });\n    document.getElementById('mbp-out-table').innerHTML = html;\n    document.getElementById('mbp-result').style.display = 'block';\n  };\n\n  \/\/ Auto-calculate on load with defaults\n  window.mbpCalculate();\n})();\n<\/script>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"791\" height=\"1024\" src=\"https:\/\/mybharatportal.com\/tools\/wp-content\/uploads\/2026\/10\/salary-calculator-screenshot-791x1024.jpg\" alt=\"Salary calculator showing Rs. 12,00,000 CTC with Rs. 94,276 monthly in-hand salary\" class=\"wp-image-1922\" srcset=\"https:\/\/mybharatportal.com\/tools\/wp-content\/uploads\/2026\/10\/salary-calculator-screenshot-791x1024.jpg 791w, https:\/\/mybharatportal.com\/tools\/wp-content\/uploads\/2026\/10\/salary-calculator-screenshot-232x300.jpg 232w, https:\/\/mybharatportal.com\/tools\/wp-content\/uploads\/2026\/10\/salary-calculator-screenshot-768x994.jpg 768w, https:\/\/mybharatportal.com\/tools\/wp-content\/uploads\/2026\/10\/salary-calculator-screenshot.jpg 850w\" sizes=\"auto, (max-width: 791px) 100vw, 791px\" \/><\/figure>\n\n\n<style>.kb-row-layout-id618_0dc3df-13 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id618_0dc3df-13 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id618_0dc3df-13 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id618_0dc3df-13 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}.kb-row-layout-id618_0dc3df-13 > .kt-row-column-wrap{grid-template-columns:repeat(3, minmax(0, 1fr));}.kb-row-layout-id618_0dc3df-13 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id618_0dc3df-13 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}@media all and (max-width: 1024px){.kb-row-layout-id618_0dc3df-13 > .kt-row-column-wrap{grid-template-columns:repeat(3, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id618_0dc3df-13 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}.kb-row-layout-id618_0dc3df-13 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id618_0dc3df-13 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-3-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column618_bca08f-78 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column618_bca08f-78 > .kt-inside-inner-col{flex-direction:column;}.kadence-column618_bca08f-78 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column618_bca08f-78 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column618_bca08f-78{position:relative;}@media all and (max-width: 1024px){.kadence-column618_bca08f-78 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column618_bca08f-78 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column618_bca08f-78\"><div class=\"kt-inside-inner-col\">\n<p class=\"wp-block-paragraph\">\ud83c\udd93 Free Forever<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column618_8c44ed-dc > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column618_8c44ed-dc > .kt-inside-inner-col{flex-direction:column;}.kadence-column618_8c44ed-dc > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column618_8c44ed-dc > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column618_8c44ed-dc{position:relative;}@media all and (max-width: 1024px){.kadence-column618_8c44ed-dc > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column618_8c44ed-dc > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column618_8c44ed-dc\"><div class=\"kt-inside-inner-col\">\n<p class=\"wp-block-paragraph\">\u26a1 Instant Results<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column618_1ac90c-1d > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column618_1ac90c-1d > .kt-inside-inner-col{flex-direction:column;}.kadence-column618_1ac90c-1d > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column618_1ac90c-1d > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column618_1ac90c-1d{position:relative;}@media all and (max-width: 1024px){.kadence-column618_1ac90c-1d > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column618_1ac90c-1d > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column618_1ac90c-1d\"><div class=\"kt-inside-inner-col\">\n<p class=\"wp-block-paragraph\">\ud83d\udcca Regime Comparison<\/p>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">What is CTC and How is In-Hand Salary Calculated?<\/h2>\n\n\n\n<p class=\"has-theme-palette-3-color has-text-color has-link-color wp-elements-bf1859163d2533cbdcde2cb73dc15440 wp-block-paragraph\"><strong>CTC<\/strong> \u2014 <strong>Cost to Company<\/strong> \u2014 is the total annual amount a company spends on an employee. It includes money you receive directly, plus components like employer PF and gratuity provisioning that never reach your bank account. This gap is why an offer letter&#8217;s CTC figure is almost always higher than what actually lands in your account.<\/p>\n\n\n\n<p class=\"has-theme-palette-3-color has-text-color has-link-color wp-elements-0f2c00a5c77f1f9eb7d86d785cc958ca wp-block-paragraph\">In-hand salary (also called take-home or net salary) is what remains after every statutory deduction \u2014 PF, professional tax, ESI (where applicable), and income tax. For a typical salaried employee in India, in-hand salary works out to roughly 65\u201380% of CTC, depending on income level, tax regime, and how the salary is structured.<\/p>\n\n\n<style>.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box618_3f279d-ff .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box618_3f279d-ff .kt-blocks-info-box-link-wrap{padding-top:var(--global-kb-spacing-xs, 1rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);padding-left:var(--global-kb-spacing-xs, 1rem);}.kt-info-box618_3f279d-ff .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box618_3f279d-ff .kt-info-svg-icon-flip, .kt-info-box618_3f279d-ff .kt-blocks-info-box-number{font-size:50px;}.kt-info-box618_3f279d-ff .kt-blocks-info-box-media{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kt-info-box618_3f279d-ff .kt-blocks-info-box-media-container{margin-top:0px;margin-right:15px;margin-bottom:0px;margin-left:15px;}.kt-info-box618_3f279d-ff .kt-infobox-textcontent .kt-blocks-info-box-text{color:var(--global-palette3, #1A202C);}.kt-info-box618_3f279d-ff .kt-blocks-info-box-learnmore{background:transparent;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box618_3f279d-ff\"><span class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-center\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-icon-container kt-info-icon-animate-none\"><div class=\"kadence-info-box-icon-inner-container\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_aperture kt-info-svg-icon\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><line x1=\"14.31\" y1=\"8\" x2=\"20.05\" y2=\"17.94\"\/><line x1=\"9.69\" y1=\"8\" x2=\"21.17\" y2=\"8\"\/><line x1=\"7.38\" y1=\"12\" x2=\"13.12\" y2=\"2.06\"\/><line x1=\"9.69\" y1=\"16\" x2=\"3.95\" y2=\"6.06\"\/><line x1=\"14.31\" y1=\"16\" x2=\"2.83\" y2=\"16\"\/><line x1=\"16.62\" y1=\"12\" x2=\"10.88\" y2=\"21.94\"\/><\/svg><\/span><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h2 class=\"kt-blocks-info-box-title\">\u2139\ufe0f <strong>Budget 2026 Update (FY 2026-27):<\/strong><\/h2><p class=\"kt-blocks-info-box-text\">No changes to income tax slabs for FY 2026-27 \u2014 FY 2025-26 rates continue. Standard deduction stays at \u20b975,000 (new regime), the basic exemption limit is \u20b94 lakh, and the Section 87A rebate keeps income up to \u20b912 lakh tax-free under the new regime. The Income Tax Act 2025 has been in effect since April 1, 2026.<\/p><\/div><\/span><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">CTC Components \u2014 A Complete Breakdown<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-theme-palette-3-color has-text-color has-link-color has-fixed-layout\"><thead><tr><th>CTC Component<\/th><th>Typical %<\/th><th>Taxability<\/th><th>Notes<\/th><\/tr><\/thead><tbody><tr><td>Basic Salary<\/td><td>40\u201350%<\/td><td>Fully taxable<\/td><td>Base for PF, gratuity &amp; HRA calculation<\/td><\/tr><tr><td>HRA (House Rent Allowance)<\/td><td>40\u201350% of Basic<\/td><td>Partially exempt<\/td><td>Metro: 50% of Basic; Non-Metro: 40%<\/td><\/tr><tr><td>Special Allowance<\/td><td>Variable<\/td><td>Fully taxable<\/td><td>Balancing figure \u2014 fills gap to reach CTC<\/td><\/tr><tr><td>LTA (Leave Travel Allowance)<\/td><td>1\u20132% of CTC<\/td><td>Partially exempt<\/td><td>Exempt with travel proof, Section 10(5)<\/td><\/tr><tr><td>Employer PF Contribution<\/td><td>12% of Basic<\/td><td>Not in hand<\/td><td>Capped at \u20b91,800\/month (\u20b915,000 basic wage ceiling)<\/td><\/tr><tr><td>Gratuity Provision<\/td><td>~4.81% of Basic<\/td><td>Not in hand<\/td><td>Paid as lump sum after 5 years of service<\/td><\/tr><tr><td>ESI (if gross \u2264 \u20b921,000\/mo)<\/td><td>3.25% of gross (employer)<\/td><td>Not in hand<\/td><td>Applies only below the ESI wage threshold<\/td><\/tr><tr><td>Medical\/Health Insurance<\/td><td>Variable<\/td><td>Not in hand<\/td><td>Company pays premium directly<\/td><\/tr><tr><td>Performance Bonus<\/td><td>Variable<\/td><td>Fully taxable<\/td><td>May be quarterly or annual<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">How the Salary Calculator Works \u2014 The In-Hand Salary Formula<\/h2>\n\n\n\n<pre class=\"wp-block-code has-theme-palette-3-color has-text-color has-link-color wp-elements-ecb4c5be71d2e6f67821e386688e47ee\"><code>Step 1: Gross Salary = CTC \u2212 Employer PF Contribution \u2212 Gratuity Provision\nStep 2: Taxable Income (New Regime) = Gross Salary \u2212 Standard Deduction (\u20b975,000)\nStep 3: Income Tax = Apply New\/Old Regime slab rates + 4% Health &amp; Education Cess\nStep 4: Monthly In-Hand = (Gross Salary \u2212 Annual Tax \u2212 Employee PF \u2212 Professional Tax) \u00f7 12\n<\/code><\/pre>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">FY 2026-27 Income Tax Slabs \u2014 New vs Old Regime<\/h2>\n\n\n\n<p class=\"has-theme-palette-3-color has-text-color has-link-color wp-elements-5fbd63d9fc0273adae70e0a48b789381 wp-block-paragraph\">The new tax regime has been the default regime since FY 2023-24. Budget 2026 confirmed no change to slab rates for FY 2026-27. Complete article you can read <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-theme-palette-1-color\"><a href=\"https:\/\/mybharatportal.com\/tools\/old-vs-new-tax-regime\/\">Here<\/a><\/mark> <\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-theme-palette-3-color has-text-color has-link-color has-fixed-layout\"><thead><tr><th>Income Slab<\/th><th>New Regime Rate<\/th><th>Old Regime Rate (below 60)<\/th><\/tr><\/thead><tbody><tr><td>Up to \u20b94 Lakh<\/td><td>Nil<\/td><td>\u2014<\/td><\/tr><tr><td>Up to \u20b92.5 Lakh<\/td><td>\u2014<\/td><td>Nil<\/td><\/tr><tr><td>\u20b92.5L \u2013 \u20b94L<\/td><td>\u2014<\/td><td>5%<\/td><\/tr><tr><td>\u20b94L \u2013 \u20b98L<\/td><td>5%<\/td><td>5%*<\/td><\/tr><tr><td>\u20b98L \u2013 \u20b910L<\/td><td>10%<\/td><td>20%<\/td><\/tr><tr><td>\u20b910L \u2013 \u20b912L<\/td><td>10%<\/td><td>30%<\/td><\/tr><tr><td>\u20b912L \u2013 \u20b916L<\/td><td>15%<\/td><td>30%<\/td><\/tr><tr><td>\u20b916L \u2013 \u20b920L<\/td><td>20%<\/td><td>30%<\/td><\/tr><tr><td>\u20b920L \u2013 \u20b924L<\/td><td>25%<\/td><td>30%<\/td><\/tr><tr><td>Above \u20b924L<\/td><td>30%<\/td><td>30%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">*Old regime: 5% applies \u20b92.5L\u20135L, 20% applies \u20b95L\u201310L, 30% above \u20b910L. Plus 4% Health &amp; Education Cess on tax in both regimes. Section 87A rebate: \u20b960,000 for New Regime (taxable income \u2264 \u20b912L, effectively zero tax); \u20b912,500 for Old Regime (taxable income \u2264 \u20b95L).<\/p>\n\n\n<style>.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box618_8c239f-32 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box618_8c239f-32 .kt-blocks-info-box-link-wrap{padding-top:var(--global-kb-spacing-xs, 1rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);padding-left:var(--global-kb-spacing-xs, 1rem);}.kt-info-box618_8c239f-32 .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box618_8c239f-32 .kt-info-svg-icon-flip, .kt-info-box618_8c239f-32 .kt-blocks-info-box-number{font-size:50px;}.kt-info-box618_8c239f-32 .kt-blocks-info-box-media{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kt-info-box618_8c239f-32 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:15px;margin-bottom:0px;margin-left:15px;}.kt-info-box618_8c239f-32 .kt-infobox-textcontent .kt-blocks-info-box-text{color:var(--global-palette3, #1A202C);}.kt-info-box618_8c239f-32 .kt-blocks-info-box-learnmore{background:transparent;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box618_8c239f-32\"><span class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-center\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-icon-container kt-info-icon-animate-none\"><div class=\"kadence-info-box-icon-inner-container\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_aperture kt-info-svg-icon\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><line x1=\"14.31\" y1=\"8\" x2=\"20.05\" y2=\"17.94\"\/><line x1=\"9.69\" y1=\"8\" x2=\"21.17\" y2=\"8\"\/><line x1=\"7.38\" y1=\"12\" x2=\"13.12\" y2=\"2.06\"\/><line x1=\"9.69\" y1=\"16\" x2=\"3.95\" y2=\"6.06\"\/><line x1=\"14.31\" y1=\"16\" x2=\"2.83\" y2=\"16\"\/><line x1=\"16.62\" y1=\"12\" x2=\"10.88\" y2=\"21.94\"\/><\/svg><\/span><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h2 class=\"kt-blocks-info-box-title\">\u2705 <strong>\u20b912.75 Lakh Effectively Tax-Free (New Regime):<\/strong><\/h2><p class=\"kt-blocks-info-box-text\">With the \u20b975,000 standard deduction plus the Section 87A rebate, salaried employees earning up to \u20b912.75 lakh CTC pay zero income tax under the new regime in FY 2026-27.<\/p><\/div><\/span><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">In-Hand Salary by CTC \u2014 Quick Reference (New Regime, FY 2026-27)<\/h2>\n\n\n\n<p class=\"has-theme-palette-3-color has-text-color has-link-color wp-elements-6c8bc1d1ce10e95dd59159cde2aacf18 wp-block-paragraph\">Assumes basic salary = 40% of CTC, metro city (50% HRA), no bonus, new tax regime. Your actual number will vary with your company&#8217;s salary structure \u2014 use the calculator above for your exact figure.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-theme-palette-3-color has-text-color has-link-color has-fixed-layout\"><thead><tr><th>Annual CTC<\/th><th>Monthly Gross<\/th><th>Income Tax\/yr<\/th><th>Monthly In-Hand<\/th><th>Annual In-Hand<\/th><\/tr><\/thead><tbody><tr><td>\u20b95,00,000<\/td><td>\u20b939,065<\/td><td>\u20b90<\/td><td>\u20b937,065<\/td><td>\u20b94,44,780<\/td><\/tr><tr><td>\u20b98,00,000<\/td><td>\u20b963,584<\/td><td>\u20b90<\/td><td>\u20b961,584<\/td><td>\u20b97,39,008<\/td><\/tr><tr><td>\u20b910,00,000<\/td><td>\u20b979,930<\/td><td>\u20b90<\/td><td>\u20b977,930<\/td><td>\u20b99,35,160<\/td><\/tr><tr><td>\u20b912,00,000<\/td><td>\u20b996,276<\/td><td>\u20b90<\/td><td>\u20b994,276<\/td><td>\u20b911,31,312<\/td><\/tr><tr><td>\u20b912,75,000<\/td><td>\u20b91,02,406<\/td><td>\u20b90<\/td><td>\u20b91,00,406<\/td><td>\u20b912,04,869<\/td><\/tr><tr><td>\u20b915,00,000<\/td><td>\u20b91,20,795<\/td><td>\u20b989,628<\/td><td>\u20b91,11,326<\/td><td>\u20b913,35,912<\/td><\/tr><tr><td>\u20b920,00,000<\/td><td>\u20b91,61,660<\/td><td>\u20b91,79,903<\/td><td>\u20b91,44,668<\/td><td>\u20b917,36,017<\/td><\/tr><tr><td>\u20b930,00,000<\/td><td>\u20b92,43,390<\/td><td>\u20b94,51,052<\/td><td>\u20b92,03,802<\/td><td>\u20b924,45,628<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Worked Example \u2014 \u20b915 Lakh CTC Calculation<\/h2>\n\n\n\n<p class=\"has-theme-palette-3-color has-text-color has-link-color wp-elements-aca4ad0eaa904f3a41bc1aa764ad648e wp-block-paragraph\">Let&#8217;s calculate the in-hand salary for a salaried employee with \u20b915 lakh CTC in a metro city, under the new tax regime.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-theme-palette-3-color has-text-color has-link-color has-fixed-layout\"><thead><tr><th>Calculation Step<\/th><th>Annual (\u20b9)<\/th><th>Monthly (\u20b9)<\/th><\/tr><\/thead><tbody><tr><td>CTC<\/td><td>15,00,000<\/td><td>1,25,000<\/td><\/tr><tr><td>Basic Salary (40% of CTC)<\/td><td>6,00,000<\/td><td>50,000<\/td><\/tr><tr><td>HRA (50% of Basic, metro)<\/td><td>3,00,000<\/td><td>25,000<\/td><\/tr><tr><td>Special Allowance (balance)<\/td><td>5,49,540<\/td><td>45,795<\/td><\/tr><tr><td>Employer PF (12% of \u20b915,000 \u00d7 12)<\/td><td>\u221221,600<\/td><td>\u22121,800<\/td><\/tr><tr><td>Gratuity Provision (4.81% of Basic)<\/td><td>\u221228,860<\/td><td>\u22122,405<\/td><\/tr><tr><td><strong>Gross Salary<\/strong><\/td><td><strong>14,49,540<\/strong><\/td><td><strong>1,20,795<\/strong><\/td><\/tr><tr><td>Standard Deduction (New Regime)<\/td><td>\u221275,000<\/td><td>\u2014<\/td><\/tr><tr><td>Taxable Income<\/td><td>13,74,540<\/td><td>\u2014<\/td><\/tr><tr><td>Income Tax (New Regime) + 4% Cess<\/td><td>89,628<\/td><td>7,469<\/td><\/tr><tr><td>Employee PF (12% of \u20b915,000 \u00d7 12)<\/td><td>\u221221,600<\/td><td>\u22121,800<\/td><\/tr><tr><td>Professional Tax<\/td><td>\u22122,400<\/td><td>\u2212200<\/td><\/tr><tr><td><strong>Monthly In-Hand Salary<\/strong><\/td><td>\u2014<\/td><td><strong>\u2248 \u20b91,11,326<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"has-theme-palette-3-color has-text-color has-link-color wp-elements-a0121f654554b8a35ebcdb1487af372e wp-block-paragraph\">Your live page currently shows tax of ~\u20b91,54,700 and in-hand of ~\u20b91,05,908 for this exact scenario. Recalculating with the correct marginal slab method (0% to \u20b94L, 5% on \u20b94-8L, 10% on \u20b98-12L, 15% on the remainder up to \u20b913,74,540) gives tax of \u20b989,628 and in-hand of \u20b91,11,326 \u2014 a \u20b95,400\/month difference. Please verify against your own calculator output before publishing; the numbers above match the calculator widget&#8217;s logic exactly.<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">When Does the Old Regime Benefit You?<\/h2>\n\n\n\n<p class=\"has-theme-palette-3-color has-text-color has-link-color wp-elements-bb3bc8bf537be527088ea92bfdcc16ab wp-block-paragraph\">The old tax regime only makes sense once your total eligible deductions (80C + 80D + HRA + home loan interest + NPS) cross roughly \u20b93.75\u20134 lakh for incomes in the \u20b915\u201320 lakh range. Below that, the new regime almost always wins on simplicity and lower tax.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-theme-palette-3-color has-text-color has-link-color has-fixed-layout\"><thead><tr><th>Annual CTC<\/th><th>New Regime Tax<\/th><th>Old Regime Tax*<\/th><th>Recommended<\/th><\/tr><\/thead><tbody><tr><td>\u20b95 Lakh<\/td><td>\u20b90 (Rebate)<\/td><td>\u20b90 (Rebate)<\/td><td>New (simpler)<\/td><\/tr><tr><td>\u20b98 Lakh<\/td><td>\u20b90 (Rebate)<\/td><td>\u20b925,000\u2013\u20b940,000<\/td><td>New Regime<\/td><\/tr><tr><td>\u20b912.75 Lakh<\/td><td>\u20b90 (Rebate)<\/td><td>\u20b91,00,000+<\/td><td>New Regime<\/td><\/tr><tr><td>\u20b915 Lakh<\/td><td>\u20b989,000\u2013\u20b995,000<\/td><td>\u20b91,10,000\u2013\u20b91,55,000<\/td><td>Depends on deductions<\/td><\/tr><tr><td>\u20b920 Lakh<\/td><td>\u20b91,80,000<\/td><td>\u20b91,90,000\u2013\u20b92,70,000<\/td><td>Depends on deductions<\/td><\/tr><tr><td>\u20b930 Lakh+<\/td><td>\u20b94,50,000+<\/td><td>\u20b94,20,000+ (with max 80C+HRA+home loan)<\/td><td>Old (with heavy deductions)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">*Old regime assumes standard deduction (\u20b950K) plus varying levels of 80C\/80D\/HRA claims. Actual results vary by individual deductions \u2014 use the calculator above with your own numbers.<\/p>\n\n\n<style>.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box618_587342-11 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box618_587342-11 .kt-blocks-info-box-link-wrap{padding-top:var(--global-kb-spacing-xs, 1rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);padding-left:var(--global-kb-spacing-xs, 1rem);}.kt-info-box618_587342-11 .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box618_587342-11 .kt-info-svg-icon-flip, .kt-info-box618_587342-11 .kt-blocks-info-box-number{font-size:50px;}.kt-info-box618_587342-11 .kt-blocks-info-box-media{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kt-info-box618_587342-11 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:15px;margin-bottom:0px;margin-left:15px;}.kt-info-box618_587342-11 .kt-infobox-textcontent .kt-blocks-info-box-text{color:var(--global-palette3, #1A202C);}.kt-info-box618_587342-11 .kt-blocks-info-box-learnmore{background:transparent;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box618_587342-11\"><span class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-center\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-icon-container kt-info-icon-animate-none\"><div class=\"kadence-info-box-icon-inner-container\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_aperture kt-info-svg-icon\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><line x1=\"14.31\" y1=\"8\" x2=\"20.05\" y2=\"17.94\"\/><line x1=\"9.69\" y1=\"8\" x2=\"21.17\" y2=\"8\"\/><line x1=\"7.38\" y1=\"12\" x2=\"13.12\" y2=\"2.06\"\/><line x1=\"9.69\" y1=\"16\" x2=\"3.95\" y2=\"6.06\"\/><line x1=\"14.31\" y1=\"16\" x2=\"2.83\" y2=\"16\"\/><line x1=\"16.62\" y1=\"12\" x2=\"10.88\" y2=\"21.94\"\/><\/svg><\/span><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h2 class=\"kt-blocks-info-box-title\">\u26a0\ufe0f <strong>New Tax Regime is the Default:<\/strong> <\/h2><p class=\"kt-blocks-info-box-text\">Since FY 2023-24, the new regime applies automatically unless you opt out. Inform your employer at the start of the financial year if you want the old regime applied for TDS purposes.<\/p><\/div><\/span><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">PF, Gratuity &amp; ESI \u2014 The Deductions You Don&#8217;t See on Your Slip<\/h2>\n\n\n\n<p class=\"has-theme-palette-3-color has-text-color has-link-color wp-elements-884cde1d7e98e0dff9d3bc1d460acc82 wp-block-paragraph\">Three components quietly shape your take-home pay without always appearing as clear line items:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-theme-palette-3-color has-text-color has-link-color wp-elements-2c292fd0928646abc6c9ab4e24f920ec\"><strong>Employee PF (12% of Basic):<\/strong> Capped at \u20b91,800\/month because EPF contributions are calculated on a maximum basic of \u20b915,000\/month, even if your actual basic is higher. This goes into your own EPFO account and currently earns 8.25% interest (rate confirmed for FY 2025-26).<\/li>\n\n\n\n<li class=\"has-theme-palette-3-color has-text-color has-link-color wp-elements-be28367eda83d5c1a69cb89b1247295a\"><strong>Employer PF (12% of Basic, capped at \u20b91,800\/month):<\/strong> This is part of your CTC but doesn&#8217;t reach you monthly. Of this \u20b91,800, \u20b91,250 goes to the Employee Pension Scheme (EPS) and the remaining \u20b9550 goes to your EPF account.<\/li>\n\n\n\n<li class=\"has-theme-palette-3-color has-text-color has-link-color wp-elements-05692235e76371045a626192db0ed4f9\"><strong>Gratuity Provision:<\/strong> Roughly 4.81% of basic per year is provisioned inside your CTC. It&#8217;s paid as a lump sum only after 5 years of continuous employment, under the Payment of Gratuity Act.<\/li>\n\n\n\n<li class=\"has-theme-palette-3-color has-text-color has-link-color wp-elements-ed13f5e8a895bce271b1fd64ba19d9bd\"><strong>ESI (Employee State Insurance):<\/strong> Applies only if your gross monthly wage is \u20b921,000 or below. Employee contributes 0.75% of gross wages, employer contributes 3.25%. If your CTC puts your gross above this threshold, ESI does not apply to you.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Professional Tax \u2014 Does It Apply to You?<\/h2>\n\n\n\n<p class=\"has-theme-palette-3-color has-text-color has-link-color wp-elements-c237f30e04e8a2ad5829e6f25759c3ce wp-block-paragraph\">Professional tax is a state-level tax, not a central one \u2014 some states don&#8217;t levy it at all. Where it applies, it&#8217;s capped at \u20b92,500\/year (usually \u20b9200\/month, with a slightly higher amount in one month to reach the annual cap).<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-theme-palette-3-color has-text-color has-link-color has-fixed-layout\"><thead><tr><th>State<\/th><th>Professional Tax Levied?<\/th><th>Typical Max\/Year<\/th><\/tr><\/thead><tbody><tr><td>Maharashtra<\/td><td>Yes<\/td><td>\u20b92,500<\/td><\/tr><tr><td>Karnataka<\/td><td>Yes<\/td><td>\u20b92,500<\/td><\/tr><tr><td>West Bengal<\/td><td>Yes<\/td><td>\u20b92,500<\/td><\/tr><tr><td>Tamil Nadu<\/td><td>Yes<\/td><td>\u20b92,500<\/td><\/tr><tr><td>Andhra Pradesh \/ Telangana<\/td><td>Yes<\/td><td>\u20b92,500<\/td><\/tr><tr><td>Gujarat<\/td><td>Yes<\/td><td>\u20b92,400<\/td><\/tr><tr><td>Delhi<\/td><td>No<\/td><td>\u2014<\/td><\/tr><tr><td>Haryana<\/td><td>No<\/td><td>\u2014<\/td><\/tr><tr><td>Uttar Pradesh<\/td><td>No<\/td><td>\u2014<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-theme-palette-3-color has-text-color has-link-color wp-elements-23d1a3782a0804f5df1343076ba35035 wp-block-paragraph\">*Confirm with your employer&#8217;s payroll or your state&#8217;s commercial tax department for exact current rates \u2014 professional tax slabs can change and vary by income band within a state.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">5 Salary Optimization Tips for Indian Employees<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li class=\"has-theme-palette-3-color has-text-color has-link-color wp-elements-24707459addb69f8bb6f9d6c4fa40700\"><strong>Maximize tax-exempt components:<\/strong> Ask HR to include meal vouchers, LTA, and phone\/internet reimbursements \u2014 these reduce taxable income without reducing your CTC.<\/li>\n\n\n\n<li class=\"has-theme-palette-3-color has-text-color has-link-color wp-elements-c1385f430cb70f8f5b043b4984d4594e\"><strong>Re-compare regimes every appraisal cycle:<\/strong> Run both scenarios on this calculator whenever your salary changes \u2014 the better regime can flip year to year.<\/li>\n\n\n\n<li class=\"has-theme-palette-3-color has-text-color has-link-color wp-elements-8e06686fdc9d0e46d8c1d8a5cc92f38e\"><strong>Employer NPS under 80CCD(2):<\/strong> Under the new regime, employer NPS contribution up to 14% of basic is deductible \u2014 this alone can cut taxable income by \u20b970,000\u2013\u20b92L a year.<\/li>\n\n\n\n<li class=\"has-theme-palette-3-color has-text-color has-link-color wp-elements-1bfbf5a625a954b9d93efda4ae805ee4\"><strong>Compare gross, not just CTC, across job offers:<\/strong> A higher CTC can still mean lower take-home if the bonus or benefits structure is weaker.<\/li>\n\n\n\n<li class=\"has-theme-palette-3-color has-text-color has-link-color wp-elements-af34b720213f74ef7557908908af47cd\"><strong>Consider Voluntary PF (VPF):<\/strong> Extra PF contributions earn the same 8.25% guaranteed, tax-free return \u2014 often better than a fixed deposit.<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n<style>.kt-accordion-id618_befe8c-48 .kt-accordion-inner-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:10px;}.kt-accordion-id618_befe8c-48 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;background:#ffffff;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-id618_befe8c-48 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:1px solid #f2f2f2;border-right:1px solid #f2f2f2;border-bottom:1px solid #f2f2f2;border-left:1px solid #f2f2f2;border-top-left-radius:6px;border-top-right-radius:6px;border-bottom-right-radius:6px;border-bottom-left-radius:6px;background:#f2f2f2;color:#555555;padding-top:13px;padding-right:15px;padding-bottom:13px;padding-left:15px;}.kt-accordion-id618_befe8c-48:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id618_befe8c-48:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:before{background:#555555;}.kt-accordion-id618_befe8c-48:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:#555555;}.kt-accordion-id618_befe8c-48:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id618_befe8c-48:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:before{background:#f2f2f2;}.kt-accordion-id618_befe8c-48 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id618_befe8c-48 .kt-blocks-accordion-header:focus-visible{color:#444444;background:#eeeeee;border-top:1px solid #878787;border-right:1px solid #878787;border-bottom:1px solid #878787;border-left:1px solid #878787;}.kt-accordion-id618_befe8c-48:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id618_befe8c-48:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id618_befe8c-48:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion--visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id618_befe8c-48:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#444444;}.kt-accordion-id618_befe8c-48:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-id618_befe8c-48:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger{background:#444444;}.kt-accordion-id618_befe8c-48:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id618_befe8c-48:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id618_befe8c-48:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id618_befe8c-48:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#eeeeee;}.kt-accordion-id618_befe8c-48 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id618_befe8c-48 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{color:#ffffff;background:#BE530B;border-top:1px solid #BE530B;border-right:1px solid #BE530B;border-bottom:1px solid #BE530B;border-left:1px solid #BE530B;}.kt-accordion-id618_befe8c-48:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id618_befe8c-48:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}.kt-accordion-id618_befe8c-48:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger{background:#ffffff;}.kt-accordion-id618_befe8c-48:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id618_befe8c-48:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#BE530B;}@media all and (max-width: 1024px){.kt-accordion-id618_befe8c-48 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}}@media all and (max-width: 1024px){.kt-accordion-id618_befe8c-48 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:1px solid #f2f2f2;border-right:1px solid #f2f2f2;border-bottom:1px solid #f2f2f2;border-left:1px solid #f2f2f2;}}@media all and (max-width: 1024px){.kt-accordion-id618_befe8c-48 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id618_befe8c-48 .kt-blocks-accordion-header:focus-visible{border-top:1px solid #878787;border-right:1px solid #878787;border-bottom:1px solid #878787;border-left:1px solid #878787;}}@media all and (max-width: 1024px){.kt-accordion-id618_befe8c-48 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id618_befe8c-48 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top:1px solid #BE530B;border-right:1px solid #BE530B;border-bottom:1px solid #BE530B;border-left:1px solid #BE530B;}}@media all and (max-width: 767px){.kt-accordion-id618_befe8c-48 .kt-accordion-inner-wrap{display:block;}.kt-accordion-id618_befe8c-48 .kt-accordion-inner-wrap .kt-accordion-pane:not(:first-child){margin-top:10px;}.kt-accordion-id618_befe8c-48 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}.kt-accordion-id618_befe8c-48 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:1px solid #f2f2f2;border-right:1px solid #f2f2f2;border-bottom:1px solid #f2f2f2;border-left:1px solid #f2f2f2;}.kt-accordion-id618_befe8c-48 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id618_befe8c-48 .kt-blocks-accordion-header:focus-visible{border-top:1px solid #878787;border-right:1px solid #878787;border-bottom:1px solid #878787;border-left:1px solid #878787;}.kt-accordion-id618_befe8c-48 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id618_befe8c-48 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top:1px solid #BE530B;border-right:1px solid #BE530B;border-bottom:1px solid #BE530B;border-left:1px solid #BE530B;}}<\/style>\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-id618_befe8c-48 kt-accordion-has-7-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-basic kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"0\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane618_25b534-d4\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>Q1 : What is the difference between CTC and in-hand salary?<\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">CTC is the total yearly cost your employer bears for you, including components like employer PF and gratuity that you never receive monthly. In-hand salary is what&#8217;s actually credited to your bank account after all deductions \u2014 typically 65\u201380% of CTC.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-2 kt-pane618_478477-c4\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>Q2 : How much tax-free salary can I have in FY 2026-27?<\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">Under the new regime, salaried income up to \u20b912.75 lakh is effectively tax-free once you include the \u20b975,000 standard deduction and the Section 87A rebate.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-3 kt-pane618_cd2195-4a\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>Q3 : Is the new tax regime always better?<\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">Not always. If your eligible deductions (80C, HRA, home loan interest, 80D) exceed roughly \u20b93.75\u20134 lakh at higher income levels, the old regime can work out cheaper. Compare both using the calculator above.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-4 kt-pane618_1cb5f2-91\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>Q4 : Why is my PF capped at \u20b91,800 a month?<\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">EPF contributions are calculated on a wage ceiling of \u20b915,000\/month, regardless of your actual basic salary \u2014 12% of \u20b915,000 is \u20b91,800.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-5 kt-pane618_bc6c3a-23\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>Q5 : Does ESI apply to me?<\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">Only if your gross monthly wages are \u20b921,000 or below. Above that threshold, ESI does not apply and you won&#8217;t see this deduction.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-6 kt-pane618_f60aad-1a\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>Q6 : Do I need to pay professional tax?<\/strong><\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">Only if your state levies it \u2014 Maharashtra, Karnataka, West Bengal, Tamil Nadu, and several others do; Delhi, Haryana, and UP currently don&#8217;t.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-7 kt-pane618_068061-6b\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>Q7 : How accurate is this calculator?<\/strong> <\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"wp-block-paragraph\">It uses standard payroll assumptions (basic %, HRA %, PF wage ceiling, current tax slabs) confirmed against Budget 2026 announcements. Your actual payslip may differ based on your employer&#8217;s specific salary structure \u2014 treat results as a close estimate, not a payslip replacement.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"margin-top:20px;margin-bottom:20px\">\ud83d\udcc5 Content last reviewed: July 2026, for FY 2026-27 tax rates. Figures are based on the Union Budget 2026 announcements, <a href=\"https:\/\/www.epfindia.gov.in\" target=\"_blank\" rel=\"noopener\">EPFO<\/a>&#8216;s 8.25% interest rate for FY 2025-26, and standard Indian payroll structuring conventions. This tool is for planning purposes only \u2014 for your exact tax liability, consult a chartered accountant.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n","protected":false},"excerpt":{"rendered":"<p>Salary Calculator India \u2014 CTC to In-Hand FY 2026-27 This free salary calculator instantly converts your CTC to take-home salary. It includes PF, ESI, HRA, professional tax, gratuity, and both New &amp; Old income tax regimes \u2014 updated for FY 2026-27. FY 2026-27 CTC \u2192 In-Hand Salary \ud83d\udcb0 Calculate Your In-Hand Salary Annual CTC (\u20b9)&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"default","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"boxed","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"class_list":["post-618","page","type-page","status-publish","hentry"],"acf":[],"taxonomy_info":[],"featured_image_src_large":false,"author_info":{"display_name":"Sufyan","author_link":"https:\/\/mybharatportal.com\/tools\/author\/sufyan\/"},"comment_info":0,"_links":{"self":[{"href":"https:\/\/mybharatportal.com\/tools\/wp-json\/wp\/v2\/pages\/618","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mybharatportal.com\/tools\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mybharatportal.com\/tools\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mybharatportal.com\/tools\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mybharatportal.com\/tools\/wp-json\/wp\/v2\/comments?post=618"}],"version-history":[{"count":4,"href":"https:\/\/mybharatportal.com\/tools\/wp-json\/wp\/v2\/pages\/618\/revisions"}],"predecessor-version":[{"id":1934,"href":"https:\/\/mybharatportal.com\/tools\/wp-json\/wp\/v2\/pages\/618\/revisions\/1934"}],"wp:attachment":[{"href":"https:\/\/mybharatportal.com\/tools\/wp-json\/wp\/v2\/media?parent=618"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}