Salary calculator India 2026-27

Figures for a resident below 60 under the new regime for tax year 2026-27, gross salary with EPF at 12% of a basic pay of half the salary, no professional tax and no other income.

Amounts are rounded to whole units; type any salary into the calculator above for the exact figure and your own options.

Since the Income-tax Act, 2025 took effect on 1 April 2026, the new regime is set out in section 202 and applies unless you opt out. It has lower slab rates and a ₹75,000 standard deduction, but almost no other deductions: no section 123 (old 80C), no section 126 (old 80D) and no deduction for professional tax. The rebate removes all tax when taxable income is at most ₹12,00,000.

The old regime has higher rates but keeps the deductions: a ₹50,000 standard deduction, professional tax, up to ₹1,50,000 of section 123 investments (your own EPF counts towards it) and health insurance premiums. It only pays off when those deductions are large; switch the regime in the calculator to compare the two for your salary.

• Salaried employees without business income can choose the regime each year when they file their return, and tell their employer at the start of the year so TDS is deducted correctly.
• A surcharge applies above ₹50,00,000 of taxable income, and the 4% cess is added to tax plus surcharge in both regimes.

Employees' Provident Fund takes 12% of your basic pay each month, and your employer contributes the same amount. Your share is deducted from your salary but stays your savings, so the calculator shows it separately from tax. If your offer letter quotes a CTC, it usually includes the employer's PF share: choose "CTC" and the calculator removes it before working out your gross salary.

Professional tax is a state tax on employment. Rates differ by state and some states do not charge it, but it can never exceed ₹2,500 a year. Enter your state's annual amount if it is deducted from your pay.

With the ₹75,000 standard deduction and the section 156 rebate of up to ₹60,000, a salary of up to ₹12,75,000 pays no income tax. Just above ₹12,00,000 of taxable income, marginal relief limits the tax to the income over ₹12,00,000.

The old regime keeps deductions: a ₹50,000 standard deduction, professional tax, up to ₹1,50,000 under section 123 (old 80C, including your EPF) and health insurance under section 126 (old 80D). The rebate is up to ₹12,500 for taxable income up to ₹5,00,000.

Health and Education Cess of 4% is added to income tax plus surcharge. Marginal relief stops the surcharge from costing more than the income above each threshold.

Tax year 2026-27 (1 April 2026 to 31 March 2027). Every rate and threshold on this page was last checked on 23 September 2026 against the official sources below; the calculator, the tables and the figures in the text all come from the same data.

This is an estimate to help you plan, not financial or tax advice. Your employer, your tax authority and your own circumstances decide what you actually pay.

• Salary after tax in other countries: every country calculator

Sources: Income Tax Department: Section 202 (new tax regime), Income-tax Act, 2025 (checked 2026-09-23); Income Tax Department: Section 156 (rebate) (checked 2026-09-23); Income Tax Department: Section 19 (standard deduction, tax on employment) (checked 2026-09-23); Income Tax Department: Section 123 (old 80C) (checked 2026-09-23); Income Tax Department: Section 126 (old 80D) (checked 2026-09-23); Union Budget 2026-27: Memorandum explaining the Finance Bill (rates, surcharge, cess) (checked 2026-09-23); Income Tax Department: Objective and scope of the new Act (checked 2026-09-23)

1. Type your salary per year or month and say whether it is gross salary or a CTC that includes your employer's PF contribution.
2. Keep EPF on if 12% of your basic pay is deducted, and set basic pay as a share of your salary (50% is common).
3. Choose the new regime, or the old regime to enter section 123 (80C) investments and health insurance premiums.
4. Add your state's professional tax if it applies, and read your in-hand salary per month and per year with the full breakdown.