CTC → Take-Home Calculator

Tax Year 2026-27 · Income Tax Act 2025 · estimate your real in-hand salary before an interview, with bonus and medical benefits.

Offer

Annual CTC

₹

Total cost-to-company on the offer letterBonus (joining / performance)

₹

Paid on top of CTC, usually one-time

Age group

Salary structure

Basic

% of CTC

= ₹5,40,000HRA

% of basic

= ₹2,70,000

Employer NPS contribution

% of basic

= ₹0 · tax-free in both regimesMedical / insurance premium (employer-paid)

₹

Part of CTC, not paid in cash to youProfessional tax (annual)

₹

Provident Fund (PF)

EPF has two separate 12%-of-basic legs. By default both are capped at the statutory ₹15,000 basic (₹1,800/month each). Turn a leg on to model the full 12% with no cap.

Employer PF at full 12% (uncapped)Company's contribution — part of CTC, never paid to you in cashEmployee PF at full 12% (uncapped)Your contribution — deducted from your salary into EPFInclude gratuity (4.81% of basic)Employer-funded, part of CTC

Old-regime deductions (for comparison)

80C (PF/PPF/ELSS/LIC)

₹

= 0.0% of salary · cap ₹1.5L80D (health insurance)

₹

= 0.0% of salaryNPS own 80CCD(1B)

₹

= 0.0% of salary · cap ₹50kHome loan interest

₹

= 0.0% of salary · cap ₹2L (self-occupied)80E (education-loan interest)

₹

no cap, up to 8 years80G (donations)

₹

enter the eligible (50/100%) amountRent paid / month

₹

for HRA exemption

Living in a metro city (HRA 50%)

Income from Other Sources (full-year tax)

Savings bank interest

₹

80TTA/TTB deduction auto-appliedDeposit interest (FD/RD/post office)

₹

Other interest income

₹

bonds, P2P, etc.Dividend income

₹

Any other income

₹

taxable at slab rate

Business / Profession

Presumptive income u/s 58

₹

44AD / 44ADA / 44AE — routes you to ITR-4

Special-rate income

Taxed flat, with no deductions and no 87A rebate against it.

Lottery / game-show winnings

₹

flat 30%Online-gaming winnings

₹

flat 30%, u/s 194(1)

Royalty / FTS (govt or Indian concern)

₹

flat 20%, u/s 207(2)

For NRI-linked instruments (NRE/FCNR/specified bonds) enter the amount and its flat rate, e.g. 5%, 10%, 20%.

Capital gains & house property (full-year tax)

Equity LTCG (held >1 yr)

₹

12.5%, first ₹1.25L freeEquity STCG (held <1 yr)

₹

taxed at 20%

Let-out rent received / yr

₹

Municipal tax paid

₹

Let-out home-loan interest

₹

No upper cap on let-out property

Taxes already paid

TDS deducted

₹

from Form 26AS / AIS

Advance / self-assessment tax paid

Dated, so 234B/234C-equivalent interest below can be estimated accurately.

Filing

Return due dateActual / expected filing dateLeave blank to assume on-time filing