CTC Analyzer & Take-Home Calculator

Enter your CTC and see exactly how much reaches your bank account after tax, PF, and deductions. Uses AY 2026-27 Indian tax rules.

Your Details

Annual CTC (₹ Lakhs)

₹12.00L

Tax Regime

City

Estimated Monthly Take-Home

₹93,077

₹11,16,926 annually · New regime · Bengaluru

Basic Salary₹5,40,000

HRA₹2,16,000

Special Allowance₹3,00,426

Employer PF (12%)₹21,600

Gratuity (4.81%)₹25,974

Variable / Bonus₹96,000

Total CTC₹12,00,000

Gross Income₹12,00,000

Standard Deduction-₹75,000

Gross Tax₹68,750

Health & Edu Cess (4%)₹2,750

Section 87A Rebate-₹60,000

Net Tax Payable₹11,500

Take-Home Pay+₹93,077

Rent (1BHK)-₹22,000

Food & Groceries-₹8,000

Transport-₹4,000

Utilities & Internet-₹3,000

Disposable Income₹56,077

New Regime tax: ₹11,500 · Old Regime tax: ₹1,17,000. New regime saves you ₹1,05,500/year.