SavyitSavyit / Free tools / In-hand salary calculator FY 2026-27
In-hand salary calculator FY 2026-27
On a CTC of ₹10 lakh you take home about ₹73,133 a month under the new regime for FY 2026-27, with no income tax thanks to the 87A rebate. Put in your CTC to see yours.
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Get Savyit freeHow in-hand salary is worked out
- Basic is usually 40–50% of CTC. PF is 12% of basic.
- Employer PF is part of CTC but goes to your PF account, so it comes off first.
- Your PF (another 12% of basic) and professional tax come off your gross pay.
- Income tax: new-regime slabs on gross minus the ₹75,000 standard deduction. Nil up to ₹12 lakh taxable, thanks to the 87A rebate. Then add 4% cess.
In-hand salary by CTC
| CTC | In-hand / month | Tax / year | Per day |
|---|---|---|---|
| 3 LPA | ₹21,800 | ₹0 | ₹717 |
| 4 LPA | ₹29,133 | ₹0 | ₹958 |
| 5 LPA | ₹36,467 | ₹0 | ₹1,199 |
| 6 LPA | ₹43,800 | ₹0 | ₹1,440 |
| 7 LPA | ₹51,133 | ₹0 | ₹1,681 |
| 8 LPA | ₹58,467 | ₹0 | ₹1,922 |
| 10 LPA | ₹73,133 | ₹0 | ₹2,404 |
| 12 LPA | ₹87,800 | ₹0 | ₹2,887 |
| 15 LPA | ₹1,02,845 | ₹83,460 | ₹3,381 |
| 18 LPA | ₹1,21,105 | ₹1,28,336 | ₹3,982 |
| 20 LPA | ₹1,32,513 | ₹1,67,440 | ₹4,357 |
| 25 LPA | ₹1,59,842 | ₹2,79,500 | ₹5,255 |
| 30 LPA | ₹1,84,830 | ₹4,19,640 | ₹6,077 |
| 40 LPA | ₹2,33,723 | ₹7,12,920 | ₹7,684 |
| 50 LPA | ₹2,82,617 | ₹10,06,200 | ₹9,292 |
What that take-home means per day
Split ₹73,133.33 a month with the 50/30/20 rule. The wants slice is the one to watch: it's your daily fun money.
FY 2026-27, new tax regime, resident salaried employee. An estimate, not tax advice: your payslip can differ with HRA, allowances, variable pay, gratuity in CTC and your state's professional tax. Income Tax Department.
Questions
What is the in-hand salary for 10 LPA?
About ₹73,133 a month (₹8,77,600 a year) under the new tax regime for FY 2026-27, if basic is 50% of CTC with 12% PF on both sides and ₹200 a month professional tax.
How much tax on 10 LPA in the new regime?
None. Taxable income is ₹8,65,000 after the ₹75,000 standard deduction, and the Section 87A rebate covers tax up to ₹12 lakh.
Why is in-hand lower than CTC ÷ 12?
CTC includes the employer's PF, which goes to your PF account, not your bank. Your own PF, professional tax and income tax also come off. Some CTCs include gratuity or a variable bonus too, which you don't get monthly.
Does this use the old or new tax regime?
The new regime, which is the default from FY 2023-24. The old regime can work out better if you have large deductions such as HRA, 80C and home-loan interest.
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Estimates for planning, not financial advice. Everything is calculated in your browser; nothing you type is sent anywhere. Updated 2026-10-29.