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Take-Home Salary Calculator India 2026 - Net Pay After Tax

Convert annual CTC into monthly take-home salary after EPF, ESI, Professional Tax, and TDS under Section 192. Compare old and new tax regimes side by side.

Step 1 - Inputs

Salary + tax inputs

Step 2 - Result

Monthly Take-Home Pay

Net Take-Home / Month

Rs 0

Annual: Rs 0

Estimate. Final figure depends on actual salary structure, declarations, surcharge applicability, and HR policy.

Pay Logic

How Take-Home Salary Builds Up

CTC to Gross

Employer EPF, gratuity, and ESI sit inside CTC. Gross is Basic + HRA + Special Allowance.

Employee EPF 12%

Deducted from monthly Basic + DA under Section 6 of the EPF & MP Act, 1952.

Employee ESI 0.75%

Deducted only if gross is up to Rs 21,000 per month under the ESI Act, 1948.

Professional Tax

State-level deduction capped at Rs 2,500 per year under Article 276 of the Constitution.

TDS u/s 192

Income tax deducted at source on salary as per old or new regime slab and Section 192.

Net Take-Home

Gross less employee EPF, ESI, PT, and TDS equals monthly take-home credited to bank account.

Old vs New Regime

FY 2025-26 Income Tax Regime Comparison

Feature New Regime Old Regime
Standard deduction Rs 75,000 Rs 50,000
Section 87A rebate up to Rs 7 lakh Rs 5 lakh
Slab structure 6 slabs, 0 to 30% 4 slabs, 0 to 30%
HRA exemption Section 10(13A) Not allowed Allowed
Section 80C deduction Not allowed Up to Rs 1.5 lakh
Section 80D health insurance Not allowed Up to Rs 25/50k
Health and Education Cess 4 percent 4 percent
Surcharge cap 25 percent 37 percent

Related Free Calculators

CTC Calculator

EPF Calculator

HRA Calculator

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Take-Home Salary FAQ

What is take-home salary in India?
Take-home salary is the net amount credited to the employee bank account after deducting employee EPF, ESI, Professional Tax, and TDS on salary under Section 192 from the gross salary. It excludes employer contributions like employer EPF, gratuity, and ESI which form part of CTC but never reach the employee.
Which tax regime gives more take-home in India?
The new regime under Section 115BAC offers lower tax rates but removes most exemptions including HRA, LTA, and Section 80C. Salaried employees with large deductions usually benefit from the old regime. Employees with few deductions usually benefit from the new regime.
What is the standard deduction for salaried employees?
Standard deduction is Rs 75,000 per year under the new tax regime and Rs 50,000 per year under the old tax regime, allowed under Section 16(ia) of the Income Tax Act, 1961.
Is rebate under Section 87A available in both regimes?
Yes, but at different thresholds. Under the new regime, full rebate is allowed if taxable income is up to Rs 7 lakh. Under the old regime, full rebate is allowed if taxable income is up to Rs 5 lakh. Rebate makes tax liability zero up to those limits.
Does take-home salary include employer EPF and gratuity?
No. Employer share of EPF, ESI, and gratuity provisioning are part of CTC but do not reach the employee bank account. Only the employee share is deducted from gross and the balance is paid as take-home.
Is health and education cess applied on tax?
Yes. Health and Education Cess at 4 percent applies on the income tax under both regimes. Surcharge applies for higher incomes - 10 percent above Rs 50 lakh, 15 percent above Rs 1 crore, 25 percent above Rs 2 crore, and 37 percent above Rs 5 crore under the old regime (capped at 25 percent under the new regime).

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factoHR India runs full salary engine: CTC structure, EPF, ESI, PT, TDS old or new regime, and net take-home on payslip.

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