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Ambiakshi ToolsRuns 100% on this device🇮🇳 India-specificEmployeesJobSeekersIncomeTax

Calculate your in-hand salary

FY 2026-27 new vs old regime, PF, PT, HRA, and monthly take-home.

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Compensation

Annual CTC (₹)Financial yearState (professional tax)Metro cityVerified 4-city list (Delhi, Mumbai, Kolkata, Chennai) is the confirmed basis under Rule 2ABasic (% of fixed)Labour-code friendly at 50%+HRA (% of basic)Variable (% of CTC)Monthly rent (₹)80C investments (₹)PF already counted80D health insurance (₹)Section 24(b) home loan interestPF capping (₹1,800/mo)

Metro classification note: The verified 4-city list (Delhi, Mumbai, Kolkata, Chennai) remains the confirmed statutory basis for the 50% HRA cap by default under Rule 2A. Reports suggesting an 8-city list for FY 2026-27 remain unconfirmed against official gazetted rules.

Monthly in-hand · New

₹1,05,091

₹14,41,096 / yr

Monthly in-hand · Old

₹99,880

₹13,78,563 / yr

Tax Regime Comparison: Old vs. New (FY 2026-27)

The New Regime offers lower slab rates and a ₹75,000 standard deduction, but disallows itemized exemptions (80C, 80D, HRA, home loan). The Old Regime keeps those deductions but taxes at higher bracket rates.

Old Tax Regime

₹99,880 / mo

Annual Tax:₹1,85,595.00

Taxable Income:₹12,19,858.00

Exemptions Claimed:₹3,94,000.00

New Tax RegimeDefault

₹1,05,091 / mo

Annual Tax:₹1,23,062.00

Taxable Income:₹15,88,858.00

Standard Deduction:₹75,000.00

You take home ₹5,211/month more under the New Regime (annual tax difference: ₹62,533).

Recommended · New regime

New Regime saves ₹62,533/yr under FY 2026-27 because of the ₹4L exemption and lower slabs. You would need more than ₹5,94,429 in Old Regime deductions to beat it.

Basic: ₹8,10,000
HRA: ₹3,24,000
Special: ₹3,49,858
Variable: ₹1,80,000
Employee PF: ₹97,200
Gratuity provision: ₹38,942
Professional tax: ₹2,500
New regime tax: ₹1,23,062
Old regime tax: ₹1,85,595
HRA exemption: ₹2,19,000
New taxable: ₹15,88,858
Old taxable: ₹12,19,858

Basic meets the 50% wage-code threshold.

Tax rules as of FY 2026-27 (Union Budget 2026 (New Income Tax Act 2025)), verified February 2026.

Illustrative estimate only, not tax advice. Verify against the current Income Tax Act and your employer's payroll before relying on this for filing or financial decisions.

You might also need:Calculate your HRA tax exemption Calculate a percentage

Statutory estimate — not a CA opinion

100% in-browser

Figures use the FY 2026-27 Union Budget slabs, Section 87A rebate, EPF at 12% of basic, and state professional tax. They are educational estimates, not personal tax advice. Confirm with a Chartered Accountant and Form 16 before filing.

Standard: Income-tax Act 1961, PF Act 1952, Payment of Gratuity Act 1972. Includes high-earner surcharges (10% to 25%) with marginal relief, statutory deduction caps, and state PT schedules.

Frequently asked

Direct answers for search, answer engines, and generative crawlers.

It uses the new-regime slabs with ₹75,000 standard deduction, Section 87A rebate with marginal relief, high-earner surcharges (10% to 25%), and old-regime 80C/80D/HRA. Take-home pay reflects full statutory tax liability.

Feedback, bugs & custom requests

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Canonical: /finance/salary-breakup-calculator. Estimates and conversions are educational. See the full disclaimer.