How this calculation works
Estimate CTC-to-in-hand salary and compare old versus new Indian income-tax regimes. The result is calculated locally in your browser from the visible inputs, and the method below remains available for checking.
Worked example
A ₹18 lakh CTC is separated into cash salary, employer components, employee PF, HRA exemption and tax under both regimes.
Assumptions and limits
- For ordinary salary income up to ₹50 lakh; surcharge and special-rate income are excluded.
- HRA exemption is old-regime only and uses entered rent and metro status.
- Payroll timing and employer policies can differ.
Questions people ask
How does the Salary Calculator work?
It applies this displayed method: In-hand salary starts from cash salary inside CTC, subtracts employee deductions, then compares old/new taxable income using Tax Year 2026–27 slabs, rebates and 4% cess. Values stay in your browser and are not submitted to a server.
What should I check before using the Salary result?
For ordinary salary income up to ₹50 lakh; surcharge and special-rate income are excluded. HRA exemption is old-regime only and uses entered rent and metro status. Payroll timing and employer policies can differ. This is an educational projection. Returns, rates, inflation, tax treatment and product rules can change.
Does this Salary calculator save my information?
No. Calculation inputs are processed on this device. Sharing creates a URL only when you choose the share action.