Take-Home Salary Calculator India 2026-27
Estimate your take-home salary in India for tax year 2026-27: income tax with the section 156 rebate, surcharge, 4% cess and employee EPF, per year and per month.
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About the Take-Home Salary Calculator India
The Take-Home Salary Calculator India estimates your salary after tax and EPF for tax year 2026-27, the first tax year under the Income-tax Act, 2025. Enter your gross salary per year or per month and pick the new or the old tax regime. If you choose the old regime, also pick your age band and enter your deductions and exemptions as one yearly amount. The result shows take-home pay per year and per month, the total deductions with their share of gross, and each line with its scope and the 2026-27 tax year, in rupees with lakh and crore grouping.
This page opens with India and the new tax regime chosen. Compare the regimes with the In-Hand Salary Calculator, or open the full Net Salary Calculator for other countries.
What comes off an Indian salary
Income tax, new regime
The default since 1 April 2026 is the section 202 regime: gross salary minus a ₹75,000 standard deduction, taxed at nil to ₹4 lakh, then 5% to 25% in ₹4 lakh steps, and 30% above ₹24 lakh. The section 156(2) rebate makes taxable income up to ₹12 lakh tax-free.
Income tax, old regime
If you opt out under section 202(4), the old slabs apply by age: below 60 nil to ₹2,50,000, 60 to 79 nil to ₹3,00,000, and 80 and above nil to ₹5,00,000, then 5%, 20% and 30%. The standard deduction is ₹50,000, your deductions amount lowers taxable income, and the section 156(1) rebate of up to ₹12,500 applies up to ₹5 lakh, with no marginal relief.
Surcharge, cess and EPF
Above ₹50 lakh a surcharge of 10%, 15% or 25% applies (37% above ₹5 crore in the old regime only), with marginal relief. The Health and Education Cess adds 4% of tax plus surcharge. Employee EPF is 12% of EPF wages, taken as half of gross and capped at ₹25,000 a month by default.
Worked example
₹20,00,000 a year, new regime
Taxable income is 20,00,000 − 75,000 = 19,25,000. Income tax is 20,000 + 40,000 + 60,000 + 65,000 = ₹1,85,000.00, and the rebate no longer applies because taxable income is above ₹12 lakh. Cess is 4% of that, ₹7,400.00, and EPF is ₹36,000.00. Take-home pay is ₹17,71,600.00 a year, ₹1,47,633.33 a month, and deductions are 11.42% of gross. With full EPF wages, EPF becomes ₹1,20,000.00 and take-home pay ₹16,87,600.00.
What the estimate leaves out
Professional tax, a state levy of at most a few hundred rupees a month, is not included, and nor are employer contributions, gratuity, bonuses or other income. Tax is not rounded to the nearest ₹10. Your payslip spreads TDS over the months of the year and may have used the old ₹15,000 EPF ceiling before 17 September 2026, so it can differ slightly from this estimate.
Edit and reset the rates
Open the Tax rates panel to change any slab rate, the surcharge and cess rates, the EPF rate or the share of gross taken as EPF wages. Thresholds and limits stay read-only. An edited field shows "Edited", and Reset to 2026-27 defaults restores every rate. Switching regime also restores the defaults. For pay before tax, try the Gross Pay Calculator.
Official sources
The rules are checked against these pages; the header of the calculator shows the month they were last checked.
Privacy
Nothing is uploaded; every calculation runs in your browser and never leaves your device. Your salary and the rates you enter are not stored or sent anywhere.
Frequently asked questions
What is the take-home salary on ₹1 lakh a month?
₹1,00,000 a month is ₹12,00,000 a year. Under the new regime taxable income is ₹11,25,000, and the ₹52,500 of slab tax is fully rebated. EPF is ₹36,000 a year, so take-home pay is ₹11,64,000 a year, or ₹97,000 a month.
Should I choose the new or the old tax regime?
The new regime (section 202) is the default and has lower slab rates, but allows only the ₹75,000 standard deduction. The old regime lets you subtract 80C investments, health insurance and the HRA exemption. Enter your deductions under the old regime and compare the two take-home figures.
Should I pick full EPF wages or the ₹25,000 ceiling?
Most payslips charge EPF on wages up to the ₹25,000 monthly ceiling, so that is the default. Pick full EPF wages if your employer contributes on your whole basic pay, or not a member if you joined above the ceiling and opted out.
Does a pension or NPS contribution lower my tax here?
The pension percentage is shown as its own line and lowers your take-home pay, but not your tax. Employee NPS and VPF give no relief under the new regime; under the old regime, add them to your deductions amount instead.
What does the take-home estimate leave out?
Professional tax and other state levies, employer contributions and gratuity, bonuses, arrears, perquisites and income other than salary are not included, and income and tax are not rounded to the nearest ₹10 as section 516 requires.