About PayCalc

PayCalc is a free set of salary calculators for people working in India. It turns a CTC figure into the monthly amount that actually reaches your bank account.

How the numbers are worked out

All figures use the income tax slabs, standard deduction, Section 87A rebate, surcharge and 4% cess that apply for FY 2026–27. The salary pages assume basic pay at 40% of CTC, PF at 12% of basic, gratuity included in CTC and ₹2,500 a year in professional tax. You can change all of these in the calculator.

Accuracy

The results are estimates. Your employer's payroll may differ because of variable pay, allowances, reimbursements or the timing of tax deductions. Confirm your final tax with a qualified advisor.