Updated
The take-home salary calculator works out employee EPF at 12% of Basic + DA, estimates income tax for FY 2026-27 using the same engine as the income tax calculator, deducts professional tax and other payroll deductions and shows annual and monthly take-home pay. Change every input and see the estimate update immediately.
Your estimate
₹13,30,500
Estimated annual take-home
Estimated monthly take-home
₹1,10,875
Employee EPF
₹72,000
Estimated income tax
₹97,500
Other payroll deductions
₹0
This is a simplified payroll estimate. Allowances, exemptions, state professional tax, benefits and employer payroll conventions can change actual take-home pay.
Educational estimate only. Methodology 2026.08. This is not a return promise, loan offer, tax filing or financial recommendation.
Results are estimates for learning and planning only. Tax rules, interest rates and scheme terms change from time to time, and your actual figures may differ. Please talk to a qualified financial advisor or chartered accountant before making any financial decision.
Take-home pay is what reaches your bank account after employee EPF, income tax, professional tax and other payroll deductions. This calculator turns your annual gross salary into an estimated monthly take-home figure under the new or old tax regime.
The take-home salary calculator works out employee EPF at 12% of Basic + DA, estimates income tax for FY 2026-27 using the same engine as the income tax calculator, deducts professional tax and other payroll deductions and shows annual and monthly take-home pay.
Worked example. A ₹15 lakh gross salary with ₹50,000 monthly Basic + DA has employee EPF of ₹72,000 a year. Under the new regime, tax is about ₹97,500 including cess, leaving about ₹13.31 lakh a year or ₹1,10,875 a month. Under the old regime with ₹1 lakh of other deductions, tax is about ₹2,03,736 and monthly take-home falls to about ₹1,02,022.
Effective 2026-04-01. Reviewed 2026-08-10.
Review again after 2027-03-31.
Policy-linked estimates can become stale. Confirm current eligibility, rates, limits and filing treatment before acting.
Allowances, exemptions, payroll cut-offs, state professional tax, benefits and employer policies can change actual take-home pay.
It is an educational tool that applies the disclosed salary breakdown method to the assumptions you enter.
No. Results are estimates, not forecasts, approvals, quotations or guarantees.
Testing conservative and optimistic inputs exposes uncertainty instead of hiding it behind one number.
Only when a tax or fee is shown as an explicit input or result. Otherwise it is excluded.
The mathematics follows the stated methodology, while real outcomes depend on rates, timing, rules, fees and circumstances.
No. Use it for education and scenario comparison, then verify decisions with official documents or a qualified professional.
Inflation translates a future amount into approximate present-day purchasing power. The default 6% is editable and is not a forecast.
Recalculate when rates, income, contributions, rules, goals or repayment terms change.
Yes. Institutions may use different compounding dates, rounding, charges and eligibility rules.
No. Calculations run locally in your browser and the input values are not sent to a calculation server.