Salary Calculator
Private-sector CTC to take-home with fixed, variable, PF, NPS, gratuity and tax breakdown
Key Features & Calculation Guidance
Key features: CTC Breakdown, Variable Pay, PF + NPS, Monthly Take-Home. Free, 100% browser-based — no login required.
Frequently Asked Questions
Does employer NPS reduce tax in the New Regime?
Yes. Eligible employer contribution to NPS under Section 80CCD(2) remains deductible in the New Regime. For FY 2026-27 the applicable limit is 14% of salary for all employer categories.
Does employee NPS get the same New Regime deduction?
No. This calculator specifically models eligible employer NPS under Section 80CCD(2), not an employee's own NPS contribution under 80CCD(1) or 80CCD(1B).
Does CTC equal my take-home salary?
No. CTC may include employer PF, employer NPS, gratuity, insurance, benefits and variable pay that are not regular monthly cash salary.
How does variable pay affect take-home?
Choose the target variable percentage, expected achievement and payout frequency. Variable pay appears in the relevant payout months.
Which tax rules are used?
The estimate uses FY 2026-27 New Tax Regime rules for AY 2027-28, including the ₹75,000 salary standard deduction and eligible employer NPS deduction.
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