2026 Budget New Tax Regime
CTC to In-Hand Salary Calculator
Estimate your exact monthly take-home salary based on your annual CTC with PF, professional tax, and the ₹75,000 New Regime standard deduction.
Enter Salary Details
Adjust your figures below to see real-time in-hand calculations.
Ex: 12 Lakhs = 1200000
₹
Basic Salary Percentage50% of CTC
30% (Lower PF)50% (Standard)60% (High PF)
Cap EPF to ₹1,800/Month?Statutory limit of 12% on ₹15,000 wage ceiling (most IT companies cap it).
Deducted from regular monthly take-home
₹
Estimated Take-Home Pay2026 Slabs
Monthly In-Hand Salary
₹77,650/ month
Annual In-Hand Salary₹9,31,800
Monthly Deductions Breakdown
Income Tax (TDS)-₹3,683
Employee EPF (12%)-₹1,800
Professional Tax-₹200
Total Annual Deductions-₹68,200 / yr
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Frequently Asked Questions
What is the standard deduction in the 2026 New Tax Regime in India?
The standard deduction for salaried employees under the New Tax Regime is ₹75,000 per financial year.
How is in-hand salary calculated from annual CTC?
Monthly in-hand salary is calculated as: (Gross Monthly Salary - Employee EPF Contribution - Professional Tax - Monthly Income Tax TDS).