Salary Breakup Calculator FY 2026–27
Compare old vs new tax regime side-by-side. Get monthly in-hand salary, see exactly how HRA, 80C, and EPF shape your tax. No signup.
Your details
Numbers update live as you type.
Metro = Mumbai, Delhi NCR, Kolkata, Chennai. HRA cap is 50% (metro) / 40% (non-metro) of basic.
EPF, ELSS, PPF, life insurance, etc. Capped at ₹1,50,000.
₹25k cap (₹50k if you cover senior-citizen parents).
Capped at ₹2,00,000 for self-occupied property.
Additional ₹50,000 above the 80C cap.
New regime saves you ₹23,344 a year
Monthly in-hand: ₹1,00,508 (New regime) vs ₹98,562 (Old regime).
Estimates only. Tax rules updated as of Union Budget 2025; we re-verify within 24 hours of every Union Budget. Surcharge and cess simplified — complex cases (capital gains, marginal relief, multiple employers) need a CA. Salary structures vary by company; we use a 50/50/10 (basic / HRA / bonus) default per the Code of Wages 2019.
How to use this calculator
- 1
Enter your annual CTC
Type the total CTC your employer offers (annual, before any deductions). Most other fields auto-fill with sensible defaults.
- 2
Add your tax-saving inputs
Fill in 80C investments (EPF + ELSS + PPF + life insurance), 80D health insurance, home-loan interest if any, and NPS. These only affect the old regime.
- 3
Set city tier and rent
Pick metro or non-metro and enter monthly rent paid. The calculator computes HRA exemption automatically.
- 4
Compare regimes
The right panel shows old vs new regime side-by-side. The recommendation badge tells you which regime saves more for your specific inputs.
Frequently asked questions
Which regime should I pick — old or new?
For salaried employees with limited deductions (no home loan, low 80C, low rent), the new regime almost always wins because of the lower slabs and ₹75,000 standard deduction. The old regime wins when you genuinely use the deductions: large 80C investments (₹1.5L), HRA on city rent, home-loan interest up to ₹2L. This calculator does both side-by-side so you can see the exact rupee difference for your inputs.
What does "in-hand salary" mean?
In-hand (or take-home) is what hits your bank account after income tax, cess, surcharge, and your share of EPF are deducted from your gross salary. It excludes employer EPF and gratuity provision because those are deferred — you receive them only on retirement or exit.
How is HRA exemption calculated?
HRA exemption under Section 10(13A) is the least of three: (1) actual HRA received, (2) annual rent paid minus 10% of basic salary, (3) 50% of basic for metro cities (Mumbai, Delhi NCR, Kolkata, Chennai) or 40% for non-metros. The calculator computes all three and applies the smallest.
Are the FY 2026-27 tax slabs accurate?
The slabs reflect the latest Union Budget. We re-verify and update within 24 hours of every Budget announcement. If you're filing taxes or making a major financial decision, double-check with a chartered accountant — this tool is a planning aid, not legal tax advice.
Is my data saved or shared?
Nothing leaves your browser. The calculation runs entirely client-side — no server call, no cookie, no analytics on your inputs. Refresh the page and the values reset.
Can I use this for bulk employee salaries?
Not yet. Bulk CSV mode (upload a list of employees, download per-employee tax breakdowns) is on our roadmap. If you need this now, talk to us — we build custom payroll and HR tooling for businesses.
Building payroll or HR for your team?
We build custom HRMS, payroll, and intranet systems for businesses across India. The same engine that powers this calculator can run your monthly payroll — across multiple pay-grades, locations, and tax regimes.
Talk to our HR-tech teamNeed a custom calculator or payroll workflow?
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