India Take-Home Pay Calculator

Calculate India Take-Home Pay step by step: Take-home = gross salary − income tax under the new regime (including cess).

In short

Formula: Take-home = gross salary − income tax under the new regime (including cess).

Complete the required fields to see the result.

What this calculator does

Calculate India Take-Home Pay step by step: Take-home = gross salary − income tax under the new regime (including cess). Worked example, questions and limitations included.

Use it to turn Gross annual salary (CTC minus employer contributions) into a checked result you can compare, copy, or rerun with different assumptions.

The page shows the formula, a numeric worked example, and the assumptions that affect this tax calculation.

Inputs and what they mean

Gross annual salary (CTC minus employer contributions): — number value.

How to use it

Enter each value in the unit shown next to the box (use the unit converter first if your numbers are in other units).
Check the breakdown to see every intermediate step.
Read the limitations before relying on the result.

Formula

Income tax per the new regime for FY 2025-26 (AY 2026-27) — see the India income tax calculator for the slab breakdown.

Provident fund, professional tax and other payroll deductions are employer- and state-specific and are not deducted.

Enter the taxable salary — if your CTC includes employer PF or gratuity, subtract those first.

Take-home = gross salary − income tax under the new regime (including cess).

Inputs used: Gross annual salary (CTC minus employer contributions).

Worked example

Salary of ₹15,00,000

Taxable = 15,00,000 − 75,000 = ₹14,25,000.
Slab tax = 20,000 + 40,000 + 15% of 2,25,000 = ₹93,750; no rebate (above ₹12,00,000).
Cess = 4% × 93,750 = ₹3,750; total tax = ₹97,500.
Take-home = 15,00,000 − 97,500 = ₹14,02,500, about ₹1,16,875 a month.

Reading the result

The headline figure is the main answer. Any breakdown underneath shows the parts that make it up, so you can check the working and see what changes when you adjust an input.

Limitations and assumptions

FY 2025-26 (AY 2026-27) new regime only.
No PF, professional tax or other payroll deductions.
Not tax advice.
Estimates from official published rates for the stated tax year only. They ignore credits, deductions other than the standard deduction, and state or local taxes. Not tax advice — check with a qualified tax professional.
The result depends on the values you enter for this india take-home pay calculator; it does not supply missing rates, rules, prices, dates, or assumptions for you.

Common questions

Why is my real payslip different?

Payslips also deduct provident fund, professional tax and insurance, which depend on your employer and state. Check the formula, example, and limitations on this page before using the result for a real tax decision.

Should I enter CTC?

No — enter your taxable gross salary. CTC often includes employer PF and gratuity, which are not paid out monthly.

Which regime?

The new regime only. Check the formula, example, and limitations on this page before using the result for a real tax decision.

How do I use the India Take-Home Pay Calculator?

Enter the required values for Gross annual salary (CTC minus employer contributions). The calculator applies the formula on this page and shows the main result with any supporting breakdown so you can check the arithmetic.

What formula does the India Take-Home Pay Calculator use?

Take-home = gross salary − income tax under the new regime (including cess). The visible formula section above lists the calculation path and the edge cases the page handles, so the result can be checked without relying on the form alone.

Can the India Take-Home Pay Calculator be used for exact decisions?

Use it as a calculation aid, not as a substitute for checking the underlying rule, contract, policy, or professional advice that applies to your situation. When a result depends on local rules, personal details, prices, or dates, enter those values yourself and confirm them before acting.