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

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)

₹

Employer PF at full 12% (uncapped)Employee PF at full 12% (uncapped)Include gratuity (4.81% of basic)

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)Rent paid / month

₹

for HRA exemption

Living in a metro city (HRA 50%)

Investments & other income (full-year tax)

Interest + dividend income

₹

Bank/FD interest, dividends — taxed at slab rate

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