Updated for Income Tax Act 2025

Calculate Your Monthly In-Hand Salary

The most accurate Indian salary calculator for Tax Year 2026/27. Compare regimes and see exactly how much hits your bank account every month.

Powerful Tools for Indian Taxpayers

Everything you need to navigate the Tax Year 2026/27 tax landscape effectively.

Take-Home Pay Calculator

Calculate your monthly in-hand salary from CTC after Income Tax and EPF.

Tax Regime Comparison

Find out if the New Tax Regime or Old Tax Regime saves you more money.

Net to Gross Calculator

Find the gross CTC needed to achieve your target monthly in-hand income.

HRA Calculator

Calculate your tax-free HRA exemption under Section 10(13A) for the Old Tax Regime.

Important Notice

All calculations provided on this site are estimates only and should not be considered as official payslip advice or tax guidance. Tax laws and rates are subject to change. For personalized financial advice, please consult with a qualified tax professional or financial advisor.

Why Choose TheSalaryChecker India?

In a rapidly evolving economic landscape, understanding your actual take-home pay is more than just a convenience—it's a financial necessity. With the introduction of the Income Tax Act 2025, the Indian taxation system has undergone its most significant transformation in decades.

Accuracy Guaranteed

Our algorithms are updated in real-time with the latest official tax slabs, standard deductions, and cess rates mandated by the Ministry of Finance.

Negotiation Edge

Whether you're starting a new job or negotiating a hike, our "Net to Gross" tool ensures you know exactly which CTC to ask for to hit your monthly goals.

A Platform Built for the Modern Indian Professional

TheSalaryChecker is designed to simplify complex financial jargon. We break down your CTC components—Basic, HRA, EPF, LTA, and Professional Tax—so you can see how each affects your final bank balance. Our comparison tools provide a clear, side-by-side view of the New vs Old regimes, helping you reclaim thousands in potentially lost taxes.

Stay Tax Efficient in 2027

1

New Regime is Default

The 2026-27 regime simplifies slabs. Tax-free limit for salaried is now effectively ₹12.75,000.

2

Old Regime Flexibility

If you have high HRA and Section 80C investments, the Old Regime might still save you more money.

3

Statutory Deductions

We factor in EPF and Professional Tax so you see your actual bank-balance impact.

Expert Guides

Income Tax Act 2025 Guide

Complete guide to tax slabs, Section 87A rebate, surcharge, cess, and key deductions for 2026-27.

New vs Old Regime Explained

A practical guide to choosing between regimes — break-even analysis and when each wins.

HRA Exemption & EPF Rules

How HRA exemption (Sec 10(13A)) and EPF contributions work for your tax savings.

Frequently Asked Questions

With the Income Tax Act 2025, the terms Financial Year and Assessment Year are replaced by a single "Tax Year". Tax Year 2026-27 covers income earned between April 1, 2026, and March 31, 2027.
Under the New Tax Regime for Tax Year 2026-27, a salaried employee with a CTC of ₹12.75 Lakh pays zero income tax due to the ₹75,000 Standard Deduction and the Section 87A rebate for taxable income up to ₹12 Lakh.
Yes, our calculations automatically include the 4% Health and Education Cess on top of your base income tax and applicable surcharges.
Standard EPF is calculated as 12% of your Basic Salary. For the purpose of CTC estimation, we assume Basic Salary is 50% of your total CTC.
Under the new simplified system, the AY (Assessment Year) is the year in which you file your return for the income earned. For income earned in Tax Year 2026-27, the Assessment Year is 2027-28.
Yes, if you choose the Old Tax Regime. HRA can significantly reduce your tax liability if you pay a high rent in metro cities. However, in the New Tax Regime, no HRA exemption is allowed.
Section 87A provides a rebate that makes your income tax zero if your taxable income is below a certain threshold. For 2026-27, this threshold is ₹7 Lakhs in the New Regime (effectively ₹12 Lakhs for salaried individuals due to revised slabs).