CTC to In-Hand Salary Calculator FY 2026-27
Based on the Income Tax Act, 2025 & the new EPF Scheme 2026 rules.
Notes on FY 2026-27 Rules:
• EPFO Update: The statutory wage ceiling was hiked to ₹25,000 in Sep 2026, but mandatory contributions are often still calculated on the ₹15,000 ceiling (₹1,800/mo) unless your employer opts for higher contributions [citation:4][citation:8]. This calculator models the common "Actual Basic" scenario.
• New Regime: Standard Deduction is ₹75,000. Income up to ₹12,00,000 gets a full rebate under Section 87A [citation:1][citation:7].
• Old Regime: Standard Deduction is ₹50,000. Requires proof of investments for 80C, 80D, etc. [citation:2][citation:3].
• EPFO Update: The statutory wage ceiling was hiked to ₹25,000 in Sep 2026, but mandatory contributions are often still calculated on the ₹15,000 ceiling (₹1,800/mo) unless your employer opts for higher contributions [citation:4][citation:8]. This calculator models the common "Actual Basic" scenario.
• New Regime: Standard Deduction is ₹75,000. Income up to ₹12,00,000 gets a full rebate under Section 87A [citation:1][citation:7].
• Old Regime: Standard Deduction is ₹50,000. Requires proof of investments for 80C, 80D, etc. [citation:2][citation:3].