---
title: "India In-Hand Salary Calculator FY 2026-27 — New Regime Tax"
description: "Calculate your in-hand salary for FY 2026-27 under India's new tax regime. ₹4 lakh exemption, Section 87A rebate to ₹12 lakh, standard deduction ₹75,000 — verified slabs, monthly take-home."
url: "https://worldcalculators.org/in/in-hand-salary-calculator/"
canonical: "https://worldcalculators.org/in/in-hand-salary-calculator/"
---

# In-Hand Salary Calculator FY 2026-27

Calculate your in-hand salary for FY 2026-27 under India's new tax regime. ₹4 lakh exemption, Section 87A rebate to ₹12 lakh, standard deduction ₹75,000 — verified slabs, monthly take-home.

## Quick answer

Under the new regime for FY 2026-27, salaried income up to ₹12.75 lakh is effectively tax-free (₹75,000 standard deduction + Section 87A rebate). Above that, slabs run 5% to 30% plus 4% cess. On a ₹15 lakh CTC the income tax is about ₹97,500 , leaving roughly ₹1,16,875 a month in hand before PF.

## Salary after tax — quick links

Pre-calculated FY 2026-27 in-hand breakdowns for common salaries:

## FY 2026-27 New-Regime Slabs (Section 115BAC)

Plus 4% health & education cess on tax. Section 87A rebate (up to ₹60,000) makes taxable income ≤ ₹12 lakh effectively tax-free. ₹75,000 standard deduction applies to salaried income.
Income-tax-only figures before EPF, professional tax and surcharge (applies above ₹50L). EPF (typically 12% of basic) reduces the bank-credit amount.

## How this is calculated

The ₹75,000 standard deduction comes off your gross salary first. The result is taxed through the seven new-regime slabs. If your taxable income lands at ₹12 lakh or below, the Section 87A rebate cancels the entire tax; just above ₹12 lakh, marginal relief caps your tax at the amount you exceed the limit by, so earning ₹100 more can never cost you thousands. Health & education cess of 4% is added to the final tax.
Comparing offers abroad? Run the same package through the UK calculator or the German calculator — India's effective rate at ₹15L (~6.5%) is strikingly lower than the UK's at the equivalent salary.

## Common questions

Nothing in the slabs — Budget 2026 retained the FY 2025-26 structure (₹4L exemption, rebate to ₹12L). The new Income Tax Act 2025 takes effect from 1 April 2026 but carries the same rates for individuals.
The new regime is the default and wins for most salaried people without large deductions. The old regime can still win if your combined deductions (80C, HRA, home-loan interest, NPS) are substantial — roughly ₹4.5L+ of deductions at a ₹15L salary. This tool models the new regime only.

Source: https://worldcalculators.org/in/in-hand-salary-calculator/
Markdown mirror of the HTML page. Prefer this URL for RAG; the interactive calculator still lives on the HTML page.