Take-home pay calculator: India
Enter a gross annual salary to estimate income tax incl. cess, EPF (employee share) and what you keep each month and week in India. It runs in your browser using the FY 2026–27 (AY 2027–28) rules below.
Updated 2026-11-01 · Methodology
- Income tax incl. cess
- ₹0
- EPF
- ₹21,600
- Effective rate
- 1.8%
Net per year
₹11,78,400
Per month
₹98,200
Per week
₹22,662
Estimate only — not tax advice.
FY 2026–27 (AY 2027–28) income tax brackets
Taxable income (after the ₹75,000 standard deduction)
| Band | Rate |
|---|---|
| ₹0 – ₹4,00,000 | 0% |
| ₹4,00,000 – ₹8,00,000 | 5% |
| ₹8,00,000 – ₹12,00,000 | 10% |
| ₹12,00,000 – ₹16,00,000 | 15% |
| ₹16,00,000 – ₹20,00,000 | 20% |
| ₹20,00,000 – ₹24,00,000 | 25% |
| Over ₹24,00,000 | 30% |
- Standard deduction: ₹75,000
- Section 87A rebate up to ₹60,000 when taxable income is ≤ ₹12 lakh (with marginal relief just above)
- 4% Health & Education cess; surcharge 10%/15%/25% above ₹50 lakh/₹1 crore/₹2 crore with marginal relief
EPF (employee share)
- EPF: 12% of wages, modelled on the ₹15,000/month statutory wage ceiling (₹1,800/month)
Example salaries
| Gross | Income tax | Contributions | Net / year | Net / month | Effective |
|---|---|---|---|---|---|
| ₹6,00,000 | ₹0 | ₹21,600 | ₹5,78,400 | ₹48,200 | 3.6% |
| ₹12,00,000 | ₹0 | ₹21,600 | ₹11,78,400 | ₹98,200 | 1.8% |
| ₹18,00,000 | ₹1,50,800 | ₹21,600 | ₹16,27,600 | ₹1,35,633 | 9.6% |
| ₹30,00,000 | ₹4,75,800 | ₹21,600 | ₹25,02,600 | ₹2,08,550 | 16.6% |
| ₹60,00,000 | ₹15,52,980 | ₹21,600 | ₹44,25,420 | ₹3,68,785 | 26.2% |
Take-home on top-paying roles in India
National medians are Pay by Role estimates; net pay applies the rules above.
| Role | Median (est.) | Est. net / month |
|---|---|---|
| Investment Banker | ₹45,60,000 | ₹2,97,990 |
| Cloud Architect | ₹36,10,000 | ₹2,43,523 |
| Data Scientist | ₹30,40,000 | ₹2,10,843 |
| DevOps Engineer | ₹28,50,000 | ₹1,99,950 |
| Product Manager | ₹28,50,000 | ₹1,99,950 |
| Software Engineer | ₹26,60,000 | ₹1,89,057 |
| Cybersecurity Analyst | ₹24,70,000 | ₹1,78,142 |
| Lawyer | ₹20,90,000 | ₹1,54,708 |
Assumptions
- New tax regime (the default), resident individual under 60, salary income only.
- EPF on the ₹15,000 wage ceiling. Many employers calculate EPF on full basic pay, which lowers take-home pay.
- Professional tax (a state levy of up to ₹2,500 a year) is not included.
Sources (FY 2026–27 (AY 2027–28))
FAQ
How much is take-home pay on ₹12,00,000 in India?
About ₹11,78,400 a year (₹98,200 a month) under the FY 2026–27 (AY 2027–28) rules, after ₹0 of income tax and ₹21,600 of EPF (employee share). Effective rate: 1.8%. This is an estimate.
What does this calculator assume?
New tax regime (the default), resident individual under 60, salary income only. EPF on the ₹15,000 wage ceiling. Many employers calculate EPF on full basic pay, which lowers take-home pay. Professional tax (a state levy of up to ₹2,500 a year) is not included.
Is this tax advice?
No. It is an estimate from published rates for a typical employee. Your payslip can differ because of other income, credits, reliefs or employer schemes. Check with the tax authority or a qualified adviser.
Related
Not tax advice. Figures are estimates for a single employee with salary income only, based on the published FY 2026–27 (AY 2027–28) rules. See our methodology.