A take home salary calculator estimates the net pay that actually reaches your account each month once statutory deductions and tax leave your gross package. Convert annual CTC to monthly in-hand. Choose old or new tax regime; see PF, ESI, PT and TDS deductions broken out clearly. Updated for FY 2026-27 slabs.
Take home salary calculator in brief
Take home salary calculator estimates from WappBlaster begin with annual CTC, subtract the employer's 12% PF share to reach gross pay, and then remove employee PF, any ESI, state professional tax and income tax. The new-regime option applies FY 2026-27 slabs, which climb from nil up to ₹3 lakh through 5%, 10%, 15% and 20% bands to 30% above ₹15 lakh, plus a ₹75000 standard deduction for salaried earners; the page flags these as subject to the Finance Bill 2026. Choosing the old regime opens fields for Section 80C investments and an HRA exemption, which helps someone earning between ₹8 lakh and ₹15 lakh with heavy deductions test whether the older rules still win. Basic pay is set as a share of CTC, commonly 40 to 50%. The free WappBlaster salary tool leaves out bonuses, NPS and meal vouchers, so the real monthly credit can differ slightly.
A take home salary calculator is a tool that converts annual CTC into the monthly amount credited to your bank after PF, professional tax and income tax.
WappBlaster’s take home salary calculator uses FY 2026-27 slabs with an old or new regime switch, and lists employee PF, professional tax and income tax separately.
Candidates weighing two CTC offers can compare likely monthly credit rather than headline numbers.
One toggle shows whether your 80C and HRA claims make the old regime worth keeping.
Employee PF, professional tax and income tax each get their own line, so nothing is lumped together.
You can set basic as a percentage of CTC to match how your employer structures pay.
Professional tax is entered per year, so it can match the state you work in.
Indian salary structures look complex but follow a predictable pattern: CTC breaks into basic, HRA, special allowance, employer PF and other components; statutory deductions then reduce gross to in-hand. This calculator converts annual CTC to monthly in-hand using FY 2026-27 tax slabs, with old- vs new-regime toggle.
CTC Rs. 12 lakh / year. Basic 45% = Rs. 540000. HRA 50% basic = Rs. 270000. Special allowance fills the gap. Employer PF = Rs. 64800 (12% basic). Gross = 12,00,000 − 64,800 ≈ Rs. 1135200. Employee PF = Rs. 64800. Professional Tax (Karnataka) = Rs. 2400. New-regime TDS on taxable Rs. 1068000 ≈ Rs. 65000. Annual in-hand ≈ Rs. 1003000, about Rs. 83500 / month.
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| Feature | What it means | Where to find it |
|---|---|---|
| Annual CTC | Total yearly cost to the employer, including employer PF. | The CTC figure in your offer letter or salary revision letter. |
| Basic as % of CTC | Share of CTC paid as basic, which drives PF and HRA. | The salary annexure that splits CTC into components. |
| Tax regime | Old regime with deductions or new regime with flat slabs. | The regime you declared to payroll at the start of the year. |
| 80C deductions | Eligible investments under Section 80C, old regime only. | Your investment declaration or proofs submitted to HR. |
| HRA exemption | Exempt part of HRA, old regime only. | The result of the HRA calculator, or your Form 16. |
| Professional tax | Yearly state levy taken from salary. | The PT line on your payslip, multiplied by twelve. |
CTC (Cost to Company) is the total annual cost the employer pays including employer PF, gratuity provision, insurance and other benefits. In-hand is the net monthly amount credited to your bank after employee-side deductions (PF, ESI, PT, TDS).
Link to this answerNew regime has flatter slabs but fewer exemptions; old regime has higher slabs but allows 80C, HRA, LTA, home-loan interest deductions. The break-even depends on your investment / deduction levels. A salary in the Rs. 8-15 lakh range with full 80C + HRA + home-loan generally favours old; salaries with no investments often favour new.
Link to this answerLowest of: (a) actual HRA received, (b) 50% basic for metros / 40% non-metro, (c) actual rent paid minus 10% of basic. Old regime only; new regime does not allow HRA exemption.
Link to this answerYes, the old-regime mode lets you enter 80C, 80D, HRA, home-loan interest. New regime calculation uses flat slabs with the standard deduction.
Link to this answer0-3L nil; 3-7L 5%; 7-10L 10%; 10-12L 15%; 12-15L 20%; 15L+ 30%. Standard deduction of Rs. 75000 applies to salaried. Subject to confirmation in the Finance Bill 2026.
Link to this answerMost common reasons: variable pay (bonus, incentives) not included, employer LTA / meal vouchers / NPS not factored, professional-tax slab varies per state, advance TDS shortfall or excess in earlier months. The calculator gives the baseline; ask payroll for the cycle-by-cycle figure.
Link to this answerYes, and runs them per employee per cycle, automatically applying old/new regime per the employee's annual declaration. Same numbers; production-grade scheduling.
Link to this answerNothing. It is free, updated for FY 2026-27 slabs, and shows the monthly in-hand figure without asking you to register.
Link to this answerAbout ₹83884 a month under the new regime, using this page's default inputs. That assumes basic at 45% of CTC, employee PF of ₹64800 a year, ₹2400 professional tax and ₹61391 income tax, leaving ₹1006609 in hand over the year.
Link to this answerYes. A single switch moves between the new regime's flat slabs and the old regime, where 80C and HRA exemption amounts can be entered to test whether deductions still beat the lower rates.
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