Salary Calculator (CTC to In-Hand)
Enter your annual CTC and basic-pay share to estimate your monthly in-hand salary — after provident fund, professional tax and income tax under the new regime for FY 2026-27.
CTC vs in-hand salary
Your CTC (Cost to Company) is the total a company spends on you in a year — but it is not what lands in your bank account. In-hand (take-home) salary is CTC minus the parts you never receive as monthly cash: the employer's provident-fund contribution, the gratuity provision, and the deductions taken from your salary — your own PF, professional tax and income tax (TDS).
How this calculator estimates take-home
Starting from your CTC and the share that is basic pay (usually 40–50%), it works through the standard structure:
- Employer PF — 12% of basic, part of CTC but paid into your PF, not your salary.
- Gratuity provision — about 4.81% of basic, set aside by the employer.
- Gross salary = CTC − employer PF − gratuity.
- Deductions — your own PF (12% of basic), professional tax (≈ ₹2,400/year), and income tax under the new regime after the ₹75,000 standard deduction.
- In-hand = gross − those deductions.
| Annual CTC | Approx. monthly in-hand (new regime) |
|---|---|
| ₹6,00,000 | ≈ ₹46,000 |
| ₹10,00,000 | ≈ ₹73,000 |
| ₹12,00,000 | ≈ ₹85,000 |
| ₹18,00,000 | ≈ ₹1,18,000 |
| ₹25,00,000 | ≈ ₹1,56,000 |
Why your actual figure may differ
Salary structures vary widely. Some employers cap PF at 12% of ₹15,000 (₹1,800/month) instead of on full basic, which raises take-home; others include variable pay, NPS or reimbursements in CTC. HRA and other exemptions only help under the old regime. To pick the cheaper regime for your salary, use the income tax calculator, and if you rent, check your HRA exemption.
What CTC does not show
Two big long-term benefits are hidden inside CTC: your EPF corpus, which compounds tax-free until retirement, and your gratuity, payable after five years of service. Both feel like "deductions" today but are real savings — don't mistake a higher take-home for a better overall package. For a full breakdown of where every rupee of your CTC goes, read our guide: CTC vs In-Hand Salary: where does your money go?