SalaryFY 2026-27 (AY 2027-28)
Salary Calculator
Convert your CTC to net take-home for FY 2026-27. Compare new vs old regime, HRA exemption included.
Your CTC
Regime
City
Net take-home / month
₹1,36,097
Annual: ₹16.33 L · 81.7% of CTC
Gross annual
₹19.04 L
Annual tax
₹1.72 L
HRA exemption
₹0
N/A in new
Employee PF
₹96.0 K
Net annual
₹16.33 L
Net monthly
₹1.36 L
Drill-down
Salary structure breakdown
| Component | Annual | Monthly |
|---|---|---|
| Basic | ₹8,00,000 | ₹66,667 |
| HRA | ₹4,00,000 | ₹33,333 |
| Special Allowance | ₹2,00,000 | ₹16,667 |
| Other Allowance | ₹5,04,000 | ₹42,000 |
| Employer PF | ₹96,000 | ₹8,000 |
| CTC | ₹20,00,000 | ₹1,66,667 |
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Models a typical CTC structure — Basic (40-50%), HRA (40-50% of basic), special allowance, employer PF/NPS/gratuity. Tax computed using Income Tax calculator engine. Actuals will vary by employer's salary structure.
FAQs
Frequently asked questions
Why is take-home so different from CTC?+
CTC includes employer-borne costs (PF, NPS, gratuity, insurance) that don't reach you. Then employee PF, professional tax and income tax further reduce take-home. Net is usually 60-75% of CTC depending on regime and deductions.
Should I push for higher Basic?+
Higher Basic increases your PF (forced saving) and gratuity, but also reduces immediate cash. For HRA optimisation, higher Basic helps if you pay high rent. For new regime users, it's mostly neutral.
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