Salary Calculator UK | PAYE Tax & National Insurance Take-Home | Tools Calculator
Calculate net in-hand salary, PAYE income tax, National Insurance contributions, and monthly take-home pay for the UK.
CTC to In-Hand Take-Home Salary Structure FY 2026-27
- Basic Salary: 40% to 50% of gross CTC
- House Rent Allowance (HRA): 40% (non-metro) or 50% (metro) of Basic
- Employee Provident Fund (EPF): 12% of Basic Salary (with voluntary VPF options)
- Professional Tax (PT): Flat ₹200/month (statutory state tax)
- Standard Deduction: Flat ₹75,000 under New Tax Regime (₹50,000 under Old Tax Regime)
- TDS Income Tax: Zero tax on income up to ₹12.75 lakh for salaried individuals under the revised New Tax Regime FY 2026-27.
CTC vs Monthly In-Hand Salary Comparison Table
- ₹6 LPA CTC: In-hand ≈ ₹46,500 – ₹48,500 / month (Zero Tax)
- ₹10 LPA CTC: In-hand ≈ ₹76,500 – ₹80,500 / month (New Regime)
- ₹15 LPA CTC: In-hand ≈ ₹1,08,000 – ₹1,13,000 / month (New Regime)
- ₹25 LPA CTC: In-hand ≈ ₹1,68,000 – ₹1,76,000 / month (New Regime)
- ₹50 LPA CTC: In-hand ≈ ₹3,15,000 – ₹3,32,000 / month (New Regime)
Frequently Asked Questions (FAQs)
- What is the difference between CTC and Take-Home Salary?
- Cost to Company (CTC) is the total annual expense incurred by the employer on an employee, including EPF employer contribution, gratuity, insurance, and bonuses. Take-home salary is the net cash deposited into your bank account after subtracting EPF, PT, and monthly TDS.
- Which tax regime is better for salaried employees in FY 2026-27?
- The New Tax Regime with the ₹75,000 standard deduction and ₹12.75 lakh zero-tax threshold is optimal for most salaried individuals who have deductions under ₹3.75 lakh. For high HRA, home loan interest, and 80C/80D investments, Old Regime can be evaluated.