Enter your CTC to see your monthly take-home pay after PF, professional tax and income tax. Both tax regimes are compared, and the better one is picked for you.
| Breakdown | Yearly | Monthly |
|---|
Budget 2026 kept the slabs from last year. The new regime is the default unless you choose the old one.
| Taxable income | Rate |
|---|---|
| Up to ₹4,00,000 | Nil |
| ₹4,00,001 – ₹8,00,000 | 5% |
| ₹8,00,001 – ₹12,00,000 | 10% |
| ₹12,00,001 – ₹16,00,000 | 15% |
| ₹16,00,001 – ₹20,00,000 | 20% |
| ₹20,00,001 – ₹24,00,000 | 25% |
| Above ₹24,00,000 | 30% |
| Taxable income | Rate |
|---|---|
| Up to ₹2,50,000 | Nil |
| ₹2,50,001 – ₹5,00,000 | 5% |
| ₹5,00,001 – ₹10,00,000 | 20% |
| Above ₹10,00,000 | 30% |
Start with CTC and remove the parts you never receive as pay: employer PF and gratuity. That gives gross salary. From gross, subtract your own PF contribution, professional tax and income tax. Divide what is left by 12.
Under the new regime, yes for salaried people. The ₹75,000 standard deduction brings ₹12.75 lakh of salary down to ₹12 lakh of taxable income, and the Section 87A rebate cancels tax up to that level.
The old regime only wins when your deductions are large: full 80C, health insurance, HRA on high rent, and home loan interest together. If you claim little beyond PF, the new regime almost always gives more take-home pay.
Employers deduct tax (TDS) based on the regime you declare and adjust it through the year. Bonuses, variable pay, meal cards and NPS contributions also change the monthly figure.
This is an estimate for resident salaried individuals below 60 years. It includes the 4% health and education cess, surcharge with marginal relief, and the Section 87A rebate. It does not cover variable pay, perquisites or capital gains. Check your final tax with a qualified advisor.