# Paycheck Calculator India

> Free CTC to in-hand salary calculator for India. Convert annual CTC into exact monthly take-home pay with EPF, gratuity, professional tax, and income-tax under both the New and Old regimes for FY 2025-26 (AY 2026-27).

## Core Calculators
- [CTC to In-Hand Salary Calculator](https://usepaycheckcalculator.app/): Convert annual CTC into monthly take-home pay. Compare New vs Old tax regimes, EPF deductions, gratuity, professional tax, and Section 87A rebate (up to ₹60,000 / ₹12.75L zero tax).
- [Offer Comparator](https://usepaycheckcalculator.app/offer-comparator): Compare two job offers side-by-side with real in-hand difference after tax brackets, bonus variables, and retirement benefits.
- [In-Hand to CTC Calculator](https://usepaycheckcalculator.app/inhand-to-ctc-calculator): Reverse calculator to find required CTC from target monthly in-hand pay.
- [Salary Breakup Calculator](https://usepaycheckcalculator.app/salary-breakup-calculator): Detailed breakdown of basic, HRA, special allowance, EPF, and gratuity from any CTC.

## Methodology & Guides
- [Tax Calculation Methodology](https://usepaycheckcalculator.app/methodology): Full breakdown of FY 2025-26 tax slabs, Section 87A rebate (up to ₹60,000 / ₹12.75L zero tax), surcharge, and standard deductions. New Regime (default) vs Old Regime comparison with decision thresholds.
- [Salary Slip Format & Components](https://usepaycheckcalculator.app/blog/salary-slip-format): Detailed breakdown of Indian salary slip format: Earnings vs Deductions, Basic Pay, HRA, Special Allowance, EPF, Professional Tax, TDS, with ₹12 LPA payslip audit.
- [8th Pay Commission Salary Hike](https://usepaycheckcalculator.app/blog/8th-pay-commission-salary-hike): Expected fitment factor (2.28x to 2.86x), pay matrix levels 1-18, DA merger rules, and in-hand calculation models for central government employees.

## Legal & Trust
- [About Us](https://usepaycheckcalculator.app/about): Company information, mission, and methodology transparency.
- [Contact](https://usepaycheckcalculator.app/contact): Contact form and support information.
- [Privacy Policy](https://usepaycheckcalculator.app/privacy-policy): Data handling, cookies, and user privacy commitments.
- [Terms of Service](https://usepaycheckcalculator.app/terms): Usage terms, disclaimers, and liability limitations.

## Key Financial Constants (FY 2025-26 / AY 2026-27)
- **New Regime Standard Deduction**: ₹75,000
- **Old Regime Standard Deduction**: ₹50,000
- **Section 87A Rebate (New Regime)**: Up to ₹60,000 for taxable income ≤ ₹12,00,000
- **Section 87A Rebate (Old Regime)**: Up to ₹12,500 for taxable income ≤ ₹5,00,000
- **Zero-Tax Threshold (New Regime)**: ₹12,75,000 gross salary
- **EPF Employee Rate**: 12% of Basic (capped at ₹25,000/month wage ceiling effective Sept 2026)
- **EPF Employer Rate**: 12% of Basic (3.67% EPF + 8.33% EPS capped at ₹1,250/month)
- **Statutory Gratuity**: 4.81% of Basic (15/26/12) annualized provision
- **Professional Tax Maximum**: ₹2,500/year (state-dependent)
- **Health & Education Cess**: 4% on tax
- **Surcharge (New Regime)**: 10% (>₹50L), 15% (>₹1Cr), 25% (>₹2Cr) capped at 25%

## API & Integration Notes
- All calculators are client-side JavaScript/TypeScript with no server dependencies
- No personal data is collected, stored, or transmitted
- Calculations follow Indian Income Tax Act 1961 as amended by Finance Act 2025
- Results are estimates for financial planning, not formal tax advice