Enter one annual salary figure and see the monthly take-home that is left after income tax, with the slab-by-slab working shown in full. Built on the New Tax Regime and the current financial year's slabs.
| Income Slab | Rate | Taxed in Slab | Tax |
|---|
This take-home salary calculator turns one annual salary figure into the monthly amount left after income tax, and shows the slab-by-slab working behind it rather than a bare number. Type your gross salary, calculate, and you get taxable income after the standard deduction, tax in each New Regime slab, the Section 87A rebate or marginal relief where it applies, surcharge on high salaries, the 4 percent cess, and your annual and monthly take-home. Everything runs in your browser on the current financial year's slabs, with no sign-up and nothing sent to a server.
Take-home here means salary after income tax. It is not the same as the figure that lands in your bank, because EPF and professional tax are deducted separately by your employer, so use the in-hand salary calculator when you want the exact bank credit, or the post-tax salary calculator when you want the same tax view under a net-of-tax heading. Starting from an offer letter instead of a salary figure? Begin with the CTC to in-hand calculator, then come back here. Every tool in this family sits on the salary calculators hub.
One number in, a full computation trail out. Nothing is hidden behind an estimate.
The exact trail the tool prints, start to finish, for one real salary.
| Step | Amount taxed | Rate | Tax |
|---|---|---|---|
| Annual gross salary | ₹18,00,000 | - | - |
| Less standard deduction | ₹75,000 | - | - |
| Taxable income | ₹17,25,000 | - | - |
| Slab 1, up to ₹4,00,000 | ₹4,00,000 | Nil | ₹0 |
| Slab 2, ₹4,00,001 to ₹8,00,000 | ₹4,00,000 | 5% | ₹20,000 |
| Slab 3, ₹8,00,001 to ₹12,00,000 | ₹4,00,000 | 10% | ₹40,000 |
| Slab 4, ₹12,00,001 to ₹16,00,000 | ₹4,00,000 | 15% | ₹60,000 |
| Slab 5, ₹16,00,001 to ₹20,00,000 | ₹1,25,000 | 20% | ₹25,000 |
| Tax before rebate | - | - | ₹1,45,000 |
| Section 87A rebate and marginal relief | - | - | ₹0 |
| Health and education cess | ₹1,45,000 | 4% | ₹5,800 |
| Total income tax | - | - | ₹1,50,800 |
| Annual take-home salary | ₹16,49,200 | - | - |
| Monthly take-home salary | ₹1,37,433 | - | - |
The rebate line is zero here because taxable income of ₹17,25,000 sits well above the ₹12,00,000 ceiling, so neither the Section 87A rebate nor marginal relief applies. Surcharge is zero too, because it starts above ₹50,00,000 of taxable income. Total tax of ₹1,50,800 on a gross salary of ₹18,00,000 is an effective rate of 8.38 percent, which is a long way below the 20 percent marginal rate the top slab suggests, and that gap is the single most useful thing this page shows. Your bank credit will be lower again once EPF and professional tax come out, which is what the in-hand salary calculator and the provident fund calculator are for.
Take-home salary is what is left of your salary once income tax has been taken out. This take-home salary calculator answers that one question for a person paid in India under the New Tax Regime, which has been the default regime for several years now. You give it a gross annual salary, it applies the standard deduction to get your taxable income, works through every slab your income reaches, applies the Section 87A rebate or marginal relief where they are due, adds surcharge if your income is high enough to attract it, adds the 4 percent health and education cess, and subtracts the result from your salary.
The point of showing the whole trail rather than a single figure is that the number most people carry in their head is their marginal rate, and the marginal rate is almost never what they actually pay. Someone whose top slab is 20 percent can easily be paying an effective 8 percent of gross salary, because the first several lakh of income are taxed at nil, 5 percent and 10 percent on the way up. Seeing the slabs stacked makes that obvious in a way that a total never does.
The slab rates, the standard deduction, the rebate ceiling and the surcharge thresholds this tool uses are the ones published by the Income Tax Department for the current financial year. If you want to read the source rather than take our word for it, the department publishes the full slab tables, the deduction list and the regime rules on its guidance page for salaried individuals. Every constant in the engine is checkable against it.
There is no proprietary maths here, and there is no reason for a salary tool to be a black box. The calculation is five lines:
The engine recomputes from scratch every time you press Calculate or change the standard deduction setting, so a stale figure cannot survive on screen from a previous run.
This is the single most important table on the page, because most disappointment with salary calculators comes from an unstated boundary. This tool computes income tax and nothing else. Every other deduction on your payslip is real, but it belongs to a different tool in this silo.
| Component | Applied here | Where it is handled |
|---|---|---|
| Standard deduction | Yes | Subtracted from gross salary before the slabs are applied |
| New Regime slab tax | Yes | Every band your income reaches, shown separately |
| Section 87A rebate and marginal relief | Yes | Applied automatically when your taxable income qualifies |
| Surcharge and cess | Yes | Surcharge on high incomes, then 4 percent cess on the total |
| Employee EPF, 12 percent of basic | No | Provident fund calculator and the in-hand salary calculator |
| Professional tax, a state levy | No | Professional tax calculator |
| Gratuity and bonus | No | Gratuity calculator and bonus calculator |
| Old Regime deductions such as 80C, HRA exemption and home loan interest | No | Old vs new tax regime calculator |
| Component split of a package into basic, HRA and allowances | No | Salary breakup calculator and CTC to in-hand calculator |
Read the table as a map, not as a limitation. Splitting these across tools is what lets each one stay honest about its own assumptions instead of hiding a dozen guesses inside one number.
These three get used interchangeably in conversation and they are not interchangeable at all. Getting them straight is usually worth more than any calculator.
If you only ever remember one thing from this page: an offer quoted in CTC and an offer quoted in gross salary are not comparable until you convert both. Run the package through the CTC to in-hand calculator first, then bring the gross figure back here.
Every row below was produced by running the engine on this page, with the ₹75,000 standard deduction applied. Use it as a sanity check on your own result, not as a lookup table, because your standard deduction eligibility and any other income you have will move the figures.
| Annual gross salary | Total income tax | Annual take-home | Monthly take-home | Effective rate |
|---|---|---|---|---|
| ₹6,00,000 | ₹0 | ₹6,00,000 | ₹50,000 | 0.00% |
| ₹9,00,000 | ₹0 | ₹9,00,000 | ₹75,000 | 0.00% |
| ₹12,75,000 | ₹0 | ₹12,75,000 | ₹1,06,250 | 0.00% |
| ₹13,00,000 | ₹26,000 | ₹12,74,000 | ₹1,06,167 | 2.00% |
| ₹15,00,000 | ₹97,500 | ₹14,02,500 | ₹1,16,875 | 6.50% |
| ₹18,00,000 | ₹1,50,800 | ₹16,49,200 | ₹1,37,433 | 8.38% |
| ₹20,00,000 | ₹1,92,400 | ₹18,07,600 | ₹1,50,633 | 9.62% |
| ₹25,00,000 | ₹3,19,800 | ₹21,80,200 | ₹1,81,683 | 12.79% |
| ₹30,00,000 | ₹4,75,800 | ₹25,24,200 | ₹2,10,350 | 15.86% |
| ₹50,00,000 | ₹10,99,800 | ₹39,00,200 | ₹3,25,017 | 22.00% |
Look at the ₹12,75,000 and ₹13,00,000 rows together. That is marginal relief doing its job: an extra ₹25,000 of salary costs ₹26,000 in tax rather than the ₹64,000 the raw slab table would suggest. Looking up a figure for a specific package rather than a salary? The CTC to in-hand calculator carries this silo's package chart.
The tool gets used at a handful of specific moments, and each one wants a slightly different reading of the same number.
Secondary detail lives here. The core explanation is above, in plain view, because a limit that only exists inside a collapsed panel is not a disclosure.
The result is a clean annual computation. Real payroll differs because employers project your annual income and spread TDS unevenly across the year, because joining or leaving mid year changes the base, and because variable pay, arrears and bonuses land in particular months. Treat the monthly figure as an average, and reconcile against Form 16 at the end of the year.
The engine assumes your taxable income is salary. Rental income, capital gains, interest and business income are taxed under their own rules and are not modelled. It also assumes the New Regime, which is the default. If you are electing the Old Regime, this page will understate or overstate your tax depending on your deductions, and the old vs new tax regime calculator is the right tool.
Marginal relief caps the tax at the income earned above the rebate ceiling, but the 4 percent cess is then charged on that capped tax. So inside the relief band an extra rupee of salary costs slightly more than a rupee of tax, and annual take-home can fall by a small amount, a few thousand at most, before rising again above the band. This is how the provision is written, not a rounding error in the tool.
Total tax is rounded once, at the end, to the nearest rupee. Individual slab lines are displayed rounded but carried at full precision, so adding the displayed lines by hand can land a rupee away from the displayed total. Payroll software and the tax department round at different points too, which is why a small difference against your payslip is normal and a large one is worth investigating.
Yes, and nested IF statements over the slab boundaries will get you most of the way there. Two things are usually missed: marginal relief just above the rebate ceiling, and surcharge relief at each high income threshold. Both need a comparison against the tax at the threshold rather than a flat percentage, and both are where hand built sheets quietly go wrong. The copy button here outputs tab separated lines, so you can paste a verified computation into your sheet instead of rebuilding it.
The calculation is JavaScript running in your own browser. Your salary is never transmitted, never written to a database and never logged. There is no account, no cookie carrying your figures and nothing left behind when you close the tab. This is also why the page works offline once it has loaded.
A first jobber wants to know whether the offer clears the tax free ceiling. A mid career switcher has two gross salaries on the table and needs the after tax gap, not the headline one. A payroll executive is spot checking a projection before the February cut-off. A pensioner wants to confirm the standard deduction still applies. All four are asking the same question, and this page answers it with the working shown rather than a single figure. When the question moves past income tax, the rest of the silo picks it up: gratuity and leave encashment at exit, the annual salary calculator for pay period maths, the overtime pay calculator for hourly work, and the internship stipend calculator for a first paid role. The full set sits on the salary calculators hub.
Enter annual gross salary, which is your yearly salary before any deduction. Do not enter CTC, because CTC includes employer EPF, the gratuity provision and sometimes insurance, none of which are salary paid to you. Do not enter taxable income either, because this calculator applies the standard deduction itself and would otherwise deduct it twice. If all you have is a CTC figure from an offer letter, split it first with the salary breakup calculator, take the gross salary line from there, and bring that number back here.
No, and this is the distinction worth getting right. Take-home salary, the figure this page computes, is your gross salary after income tax. In-hand salary is what the bank actually credits, which is take-home minus employee EPF at 12 percent of basic, minus professional tax where your state levies it, minus anything else your employer withholds such as voluntary EPF or a salary advance. In-hand is always the smaller number. Use the in-hand salary calculator for the bank credit and the post-tax salary calculator if you prefer the same tax view under a net of tax heading.
Start with annual gross salary and subtract the standard deduction of ₹75,000 to get taxable income. Slice that taxable income across the New Tax Regime bands and charge each slice at its own rate, from nil at the bottom to 30 percent at the top. Apply the Section 87A rebate if taxable income is within ₹12,00,000, or marginal relief if it is just above. Add surcharge if taxable income exceeds ₹50,00,000, then add 4 percent health and education cess on the tax and surcharge together. Subtract that total from gross salary and divide by twelve for the monthly figure.
Because the Section 87A rebate is written against taxable income, not gross salary. A salaried person subtracts the ₹75,000 standard deduction first, so a gross salary of ₹12,75,000 becomes taxable income of exactly ₹12,00,000, which is the rebate ceiling. The slab tax at that level is fully rebated, so the income tax due is nil and the whole salary is take-home. Anyone not eligible for the standard deduction reaches zero tax at ₹12,00,000 of income instead.
Divide annual take-home by twelve, which is what the monthly toggle on this page does. That gives a clean average rather than a prediction of any particular payslip, because employers spread TDS unevenly across the year and variable pay, arrears and bonuses land in specific months. If you want to convert a gross figure between annual, monthly, weekly or daily pay periods without the tax step, the monthly salary calculator and the annual salary calculator handle that directly.
Everything that is not income tax. Employee EPF at 12 percent of basic is not deducted here, and neither is professional tax, which is a state levy capped at ₹2,500 a year by Article 276 of the Constitution and therefore varies by state. ESIC, voluntary provident fund and salary advances are also outside this calculation. That is deliberate: each of those has its own tool with its own stated assumptions, so use the provident fund calculator and the professional tax calculator alongside this one, or the in-hand salary calculator to see them applied together.
Not directly. This calculator runs the New Tax Regime, which is the default regime, with its own slab set and a standard deduction of ₹75,000. The Old Regime has different slabs, a ₹50,000 standard deduction, a rebate ceiling of ₹5,00,000 of taxable income, and it allows deductions the New Regime does not, including 80C investments, HRA exemption, home loan interest and health insurance premiums. The old vs new tax regime calculator compares both with your actual deduction figures and tells you which leaves you with more.
Because CTC is the employer's total cost, not your salary. Employer EPF, the gratuity provision, group insurance premiums and sometimes a notional bonus are all inside CTC and none of them is money you receive monthly. Once those come out you are left with gross salary, which is what this page taxes, and after tax, EPF and professional tax you reach the bank credit. A gap of 20 to 30 percent between CTC and the monthly credit is entirely normal. The salary breakup calculator shows exactly where the difference sits, and the CTC to in-hand calculator walks the whole path in one step.
They change it in the year you receive them, not in a normal year. Gratuity is paid on exit after five years of qualifying service and is exempt up to ₹20,00,000. Leave encashment has its own exemption rules that differ between government and private employment. A performance bonus, by contrast, is fully taxable salary in the year it is paid, so it pushes that year's taxable income up and can move you into a higher slab. Model those separately with the gratuity calculator, the leave encashment calculator and the bonus calculator, then add the taxable part to the gross salary you enter here.
Yes. Surcharge applies as a percentage of the tax itself once taxable income passes ₹50,00,000, and it steps up again above ₹1 crore and above ₹2 crore. The New Tax Regime caps surcharge at 25 percent, so the 37 percent rate that exists in the Old Regime does not apply here. The engine also applies marginal relief at each threshold, so crossing one of them by a small amount never costs more than the income earned above it. A calculator that stops at the slab table and skips surcharge will understate tax on every salary above that threshold, sometimes by lakhs.
Yes. The engine runs the New Tax Regime slab set for FY 2026-27, assessment year 2027-28: nil up to ₹4,00,000, 5 percent to ₹8,00,000, 10 percent to ₹12,00,000, 15 percent to ₹16,00,000, 20 percent to ₹20,00,000, 25 percent to ₹24,00,000 and 30 percent above that. The standard deduction is ₹75,000 for salaried employees and pensioners, and the Section 87A rebate covers taxable income up to ₹12,00,000. These rates were set by the Finance Act 2025 and carried forward unchanged, and the labels on this page are reviewed every 1 April.
Same approach as this calculator: it runs in your browser, it shows its working, and it costs nothing.
One figure in, the full tax working out, monthly and annual. Free, no sign-up, and your salary never leaves the browser.
🏠 Calculate Take-Home Salary