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Estimate your monthly in-hand (take-home) salary for a 8 LPA (₹8,00,000 CTC) package under the New Tax Regime for FY 2026-27. This page is pre-loaded with ₹8,00,000 CTC so you can see a complete worked example — adjust the CTC, bonus, and basic-salary fields above to match your own offer.
Calculate your monthly take-home pay from CTC
India IT: 35-50%, Traditional: 50-60%. Higher basic = higher PF contribution.
Calculated using the New Tax Regime (Section 115BAC, FY 2025-26 / FY 2026-27) with ₹75,000 standard deduction and full Section 87A rebate on taxable income up to ₹12,00,000 (nil tax up to ₹12,75,000 gross for salaried employees). PF is 12% of basic subject to the ₹15,000 monthly wage ceiling.
Monthly In-Hand Pay
Monthly Gross
₹66,667
Deductions
₹2,000
In India, CTC (Cost to Company) is the total amount an employer spends on an employee per year. It includes basic salary, allowances, bonus, employer PF, gratuity, and other benefits.
The In-Hand Salary is what you actually receive in your bank account after employer deductions (PF, PT, TDS) and excludes employer-side contributions.
Calculation Logic
12% of basic salary deducted for your retirement corpus. Employer also contributes an equal amount, but only the employee portion affects in-hand salary.
A state-level tax on employment income. Ranges from ₹150-300/month depending on the state. Karnataka charges ₹200/month.
Tax Deducted at Source by your employer based on your estimated annual income and applicable tax regime.
Your basic-to-gross ratio affects PF contributions. A higher basic means higher PF savings but lower immediate take-home pay.
Illustrative monthly and annual breakup at FY 2026-27 rates, computed with the same logic as the calculator above (50% basic salary, no bonus).
| Component | Monthly | Annual |
|---|---|---|
| Monthly gross salary | ₹66,667 | ₹8,00,000 |
| Basic salary (50%) PF is calculated on this | ₹33,333 | ₹4,00,000 |
| Employee EPF 12% of basic, ₹15,000 wage cap | -₹1,800 | -₹21,600 |
| Professional tax ₹200/month assumed; state-dependent | -₹200 | -₹2,400 |
| Income tax (TDS) New Regime, after standard deduction & 87A rebate | ₹0 | ₹0 |
| In-hand (take-home) pay | ₹64,667 | ₹7,76,000 |
Estimates only. Employer salary structures vary (gratuity, HRA/LTA splits, special allowance); consult your offer letter or a tax professional for exact figures.
Find answers to common questions about this calculator below.
For a 8 LPA (₹8,00,000 CTC) package, the estimated monthly in-hand salary is approximately ₹64,667 after EPF (₹1,800), professional tax (₹200), and monthly income tax (₹0) under the default New Tax Regime.
For a ₹8,00,000 annual CTC, the monthly gross salary is ₹66,667 before statutory deductions.
Under the New Tax Regime for FY 2026-27 (AY 2027-28), the annual income tax is ₹0 for ₹8,00,000 CTC: after the ₹75,000 standard deduction your taxable income stays within the ₹12,00,000 Section 87A rebate limit (nil tax up to ₹12,75,000 gross for salaried employees).
No — it is a well-informed estimate. Actual payslips vary with your employer's structure: where the employer PF and gratuity sit inside CTC, HRA/LTA/special-allowance splits, state professional tax (₹0–300/month), and any employer-specific deductions. Use the calculator above to adjust CTC, bonus, and basic-salary percentage to match your offer.
Employee EPF is 12% of your basic salary, subject to the ₹15,000 monthly wage ceiling — so the maximum employee PF is ₹1,800/month (₹21,600/year). The employer contributes an equal amount.