Salary In-Hand Calculator
Convert your CTC to monthly take-home pay
Free CTC to in-hand salary calculator for India. Deducts PF, professional tax, and income tax (new & old regime). FY 2026-27 tax slabs.
CTC vs in-hand has a ₹X gap. We close it.
Free CA review of your salary structure — restructure perks, food, NPS, LTA for max in-hand.
What is a Salary In-Hand Calculator?
CTC (Cost to Company) and in-hand salary are not the same — and the gap often surprises new employees. CTC includes components you never see: employer's PF contribution, gratuity accrual, insurance premiums, and other benefits. Your actual monthly bank credit is net of employee PF, professional tax, and income tax withheld via TDS.
This calculator models the most common salary structure in India: CTC split into basic (set as a % of CTC), and the rest as allowances. Employer PF (12% of basic, capped at ₹21,600/year) is part of CTC but not in your gross salary. Employee PF (12% of basic, same cap) is deducted from your gross. Professional tax varies by state but most states cap it at ₹2,400/year.
Income tax uses FY 2026-27 slabs. New regime (default) has a standard deduction of ₹75,000 and slab rates starting at 5% above ₹4 lakh, with a rebate of ₹60,000 for taxable income up to ₹12 lakh (effectively zero tax up to ₹12.75L gross with standard deduction). Old regime uses ₹50,000 standard deduction and the traditional 5/20/30% slabs.
Why use this Salary In-Hand Calculator
Built for Indians, by Indians. Every number, every formula, every slab — tuned to FY 2026-27 reality.
Basic % control
Adjust the basic salary percentage (25–60% of CTC) — higher basic means more PF and tax, but also more PF savings.
New vs Old regime
Switch between tax regimes instantly and see the take-home difference for your specific CTC.
Visual breakdown
Donut chart splits take-home, income tax, employee PF, and professional tax at a glance.
Private
Runs entirely in-browser. Your salary details never leave your device.
Using the Salary In-Hand Calculator in 4 steps
No onboarding, no signup. Answer three fields and the numbers update live.
Enter annual CTC
Full Cost to Company as stated in your offer letter. Include fixed CTC only — exclude variable pay or joining bonuses if you want to see base take-home.
Set basic % of CTC
Most private sector companies set basic at 35–50% of CTC. Check your salary slip or offer letter for the exact split.
Choose tax regime
New regime is the default (and usually better below ₹15L CTC if you have fewer deductions). Old regime wins if your 80C + HRA + other deductions are large.
Read the breakdown
Monthly in-hand is your bank credit. The tip shows taxable income after deductions so you can cross-check with your Form 16.
Tips to get the most out of it
Don't compare job offers on CTC — compare monthly in-hand at the same basic %. High-basic CTC has higher PF (good for retirement, bad for liquidity).
In the new regime, income up to ₹12.75L is effectively zero-tax (₹12L rebate ceiling + ₹75K standard deduction). Negotiate CTC below this for maximum post-tax efficiency.
Salary restructuring: meal coupons (₹2,200/mo), LTA (2 trips in 4 years), and NPS employer contribution (80CCD(2)) are tax-free even in the new regime.
This calculator shows a rough estimate. Actual in-hand may vary with variable pay, gratuity, one-time TDS adjustments, and state-specific professional tax slabs.
For freelancers and consultants, TDS (usually 10% under 194J) is the withholding mechanism — not salary TDS. Use the TDS calculator instead.
Real-world scenarios
How Indians actually use this calculator — concrete inputs, concrete outcomes.
₹6L CTC, 40% basic, new regime
Gross ≈ ₹5.6L. Taxable ≈ ₹4.4L (after PF + SD). Tax ≈ ₹2,000. Monthly in-hand ≈ ₹43,800.
₹15L CTC, 40% basic, new regime
Gross ≈ ₹13.9L. Taxable ≈ ₹12.8L. Tax ≈ ₹84K. Monthly in-hand ≈ ₹1.05L.
₹30L CTC, 50% basic, old regime
Gross ≈ ₹28.2L. With PF + SD + 80C (₹1.5L). Taxable ≈ ₹24.2L. Tax ≈ ₹5.5L. Monthly in-hand ≈ ₹1.76L.
Frequently Asked Questions
Still have a question? Our team replies within a business day.
CTC includes employer PF (12% of basic), gratuity accrual (~4.8% of basic), and often insurance/group health premiums. None of these hit your bank account. The gap is typically 15–25% of CTC.
₹75,000 for salaried employees under the new tax regime (increased from ₹50,000 in FY24). Under the old regime it is still ₹50,000.
Yes, if your basic salary is below ₹15,000/month, both you and your employer must contribute to EPF. Above ₹15,000 it is technically voluntary for new members, but most companies deduct it on the full basic regardless.
New regime is better if your total deductions (80C + HRA + home loan + NPS) are less than ~₹3.5L annually. Old regime wins when deductions are large. Run the calculator in both modes and compare.
No. Gratuity is part of CTC in many companies but is paid only after 5 years of continuous service. We exclude it from the take-home estimate as it isn't a regular cash inflow.
A state-level tax on employment. Maximum ₹2,500/year. Most states cap it at ₹2,400/year. Maharashtra, Karnataka, West Bengal, Tamil Nadu are the high-collection states. Some states don't levy PT at all.
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