Free calculator · Tax year 2026-27
Salary calculator: CTC to take-home
Put in a CTC and see the month's pay slip: gross, PF, professional tax for your state, income tax, and what lands in the bank. The employer's PF and gratuity inside the CTC are shown too, with the Labour Codes' 50% wage check.
Take-home a month
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| Pay slip | A month | A year |
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| Inside your CTC | A month | A year |
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The Labour Codes' wage, and professional tax by month
These results are estimates for planning, not tax advice. Real pay slips depend on your employer's salary structure, the days you work, your tax declarations and any exemption you hold.
Dexta PayDexta Pay does this for every employeeSalary structures, the 50% wage rule, PF at ₹25,000 with arrears, PT and LWF for all 36 states and UTs, and TDS every month.How it's worked out
- The structure: basic + DA is a share of the CTC and HRA a share of basic. The employer's PF (12%), ESI (3.25% while gross pay is ₹21,000 a month or less) and a gratuity provision (15/26 of a month's wage a year) sit inside the CTC; the special allowance takes what's left.
- The 50% wage rule: since 21 Nov 2025 the Labour Codes count basic, DA and retaining allowance as wages. HRA, conveyance, the employer's PF and other allowances may be at most half of all pay; anything above half is added back to wages. PF and gratuity are then worked on that wage. The Ministry's FAQ treats an allowance not on the Code's list (a special allowance) as left out up to the limit; the tick box counts it as wages instead, as the Code's own words read.
- PF: 12% from you and 12% from the employer, on the wage up to the ₹25,000 ceiling (from 17 Sep 2026) or on the full wage if your employer does that.
- Professional tax: your state's slabs for 2026-27, month by month, never more than ₹2,500 a year. Exemptions for disability, armed forces or seniors are left out.
- Income tax: the year's tax under your regime (see the income tax calculator for every deduction), spread evenly over twelve months. In the old regime your PF counts under section 123 and professional tax comes off.
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Run this for everyone, every month.
Dexta Pay builds each salary structure, applies the 50% wage rule, and works out PF, ESI, PT, LWF and TDS on every pay slip.