FY 2026–27 Central Tax Rules Updated
Your CTC is not your salary.
See what actually reaches your bank.
Instantly calculate take-home pay, compare Old vs New tax regimes, and understand every single rupee withheld in PF, gratuity, and payroll tax.
Salary Parameters
₹
Tax Regime
New Regime●
Slabs up to ₹24L, standard ₹75k ded.Old Regime
With 80C, 80D, HRA exemptionsFY 2026–27 · New Tax Regime
Estimated Monthly Take-Home (Bank Credit)
₹94,477/ month avg
Annual Net Take-Home
₹11,33,723Regular Month (excl. Bonus)
₹94,477Effective Income Tax Rate
0%Where Does Your CTC Go?
Visualizing how each ₹100 of your CTC converts into take-home pay.
1. Annual CTC
Total cost to company stated in offer
₹12,00,000
100.0% of CTC
2. Employer Costs
Employer PF + Gratuity + Employer ESI
₹44,677
3.7% of CTC
3. Cash Gross Salary
Salary before payroll taxes and employee PF
₹11,55,323
96.3% of CTC
4. Taxes & Employee Deductions
Employee PF + State PT + Income Tax TDS
₹21,600
1.8% of CTC
5. Net In-Hand Bank Credit
Actual money transferred to your bank account
₹11,33,723
94.5% of CTC
💡 Takeaway: You take home approximately 94.5% of your annual CTC in direct bank credits.
Itemized Accounting Statement & Payroll Ledger
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Every calculation is transparent, explainable, and adheres to published Indian tax laws.
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Explainable Deductions
We don't just give a number; we show why your CTC differs through a visual money bridge and itemized ledger.