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A rough estimate of your monthly take-home pay from your annual CTC, under the new tax regime.
Often 40–50% of CTC. Affects your PF and gratuity.
A rough estimate under the new tax regime (FY 2025-26 slabs; standard deduction ₹75,000; no tax up to ₹12L taxable). It assumes employer PF and gratuity are inside your CTC, a basic-pay percentage you choose, and a flat ₹2,400 professional tax (varies by state). It ignores HRA and other allowances, variable pay, NPS, and old-regime deductions. Your actual payslip will differ — treat this as a ballpark.
Use the 50-30-20 planner to split your in-hand pay sensibly.
In short
It walks from CTC down to what actually reaches your bank account. Employer-side costs that never reach you are removed first, income tax is worked out on what remains under the new regime, and your own provident-fund contribution and professional tax come off last.
Because CTC is what you cost your employer, not what you are paid. The employer's provident-fund contribution and the gratuity provision are inside it and never reach your account, and then tax and your own provident-fund contribution come out of what does.
A great deal. Provident fund and gratuity are both computed on basic pay, so a higher basic means more goes into long-term savings and less arrives monthly. Your offer letter states your actual basic.
Marginal relief. Without it, earning one rupee more than the threshold could cost you far more than a rupee in tax. The relief caps the tax at the amount by which you crossed, so crossing never leaves you worse off.
This tool cannot answer that — it only models the new regime. Which one suits you depends on the deductions you would actually claim, so compare both with your own numbers or ask a tax professional.
Authority for the slab structure, standard deduction, rebate and cess. Section numbers are deliberately not quoted: the Income Tax Act, 2025 replaced the 1961 Act on 1 April 2026 and renumbered sections wholesale.
Basis for the provident-fund contribution rates applied to basic pay, on both the employee and employer side.
Where the slabs, standard deduction and rebate are actually set each year. Worth checking after every Budget, because this page's figures are only as current as its updated-on date.
This tool gives you a number. These free WealQuest lessons explain the idea it rests on — in English and हिंदी, no sign-up.
This explains the maths behind the tool so you can trust the number. It is educational information, not financial advice.