In-Hand Salary Calculator — CTC to Take Home Pay India

CTC (Cost to Company) is the total annual package your employer spends on you. It includes employer PF, gratuity provision, and benefits that never reach your bank account. In-hand or take-home salary is what you actually receive after employee PF, professional tax, and income tax (TDS) are deducted from your gross salary.

Convert annual CTC to monthly in-hand salary after PF, professional tax, and TDS. Gross salary = CTC − Employer PF (12% of basic) − Gratuity (4.81% of basic). Employer contributions are part of CTC but not paid to you monthly. Your payslip shows basic, HRA, special allowance, and other components that add up to gross salary.

Borrowers, investors, and taxpayers planning loans, returns, or tax in India. Use this tool if you want a clear estimate before speaking with a bank, post office branch, or tax advisor.

• CTC ₹12,00,000 | New regime | Karnataka PT → in-hand ≈ ₹85,000/month
• CTC ₹15,00,000 | Old regime | 80C ₹1.5L + 80D ₹25k → compare take-home vs new regime

Employee PF (12% of basic, capped at ₹1,800/month on ₹15,000 wage ceiling), professional tax (varies by state, max ₹2,500/year), and income tax under your chosen regime reduce gross to in-hand pay. Under the new regime FY 2025-26, standard deduction is ₹75,000 with Section 87A rebate up to ₹12 lakh income.

The old regime allows HRA exemption, LTA, 80C (including PF), 80D, and other deductions — often better if you claim significant investments. The new regime is simpler with updated slabs and ₹75,000 standard deduction. Toggle regimes in this calculator to see which gives higher take-home for your CTC.

1. 1
   Step 1

   Enter annual CTC from offer letter.

2. 2
   Step 2

   Select tax regime and optional deductions.

3. ✓
   Final answer

   Review monthly in-hand after PF, PT, and TDS.

1. 1

   Locate the calculator form at the top of this page.

2. 2

   Enter your values using the units shown (₹, %, years, or as labelled).

3. 3

   Review the instant result, charts, or schedules in the output panel.

4. 4

   Adjust inputs to compare scenarios before making a financial decision.

• Free to use with instant browser-based results — no signup.

• Built for Indian rates, tax years, and units.

• Includes worked examples and FAQs on every page.

• Standard salary structure with basic = 50% of gross approx.

• Employee PF at 12% of basic subject to wage ceiling.

• Variable pay and bonuses may be taxed differently — this models fixed CTC.

• Negotiate CTC structure — higher basic means higher PF but better retirement corpus.

• Compare in-hand under both regimes before submitting Form 12BB.

• Treating CTC as in-hand — CTC includes employer costs you never receive.

• Ignoring professional tax differences between states.

• Old vs new tax regime for FY 2025-26 — which should you pick?Compare India’s old and new income tax regimes with slab rates, rebates, and worked salary examples.Read guide →

• Income Tax Department — incometax.gov.in
• EPFO contribution rules
• State professional tax schedules
• Income Tax Departmentincometax.gov.in

Translate offer letter CTC into realistic monthly take-home before accepting a job. Pair with our income tax calculator for detailed regime comparison.