In-Hand Salary Calculator
CTC is not your salary — it's the company's total cost, including money you'll never see (employer PF, gratuity). This calculator strips CTC down to what actually hits your bank account each month.
Example: ₹12 lakh CTC at 40% basic → roughly ₹94,268/month in-hand under the new regime (FY 2025-26). The ~₹21,000/month gap is EPF, professional tax and income tax — now you know exactly where it goes.
Four steps, thirty seconds.
Enter your annual CTC. The full cost-to-company figure from your offer letter.
Set basic salary % and HRA. From your salary slip — basic is usually 40–50% of CTC.
Enter rent paid and 80C. These drive the old-regime HRA exemption and deductions.
Pick a regime and read the breakup. The table shows every component monthly and annually — no more CTC mystery.
The method: gross salary = CTC − employer PF − gratuity. Then: in-hand = gross − employee PF − professional tax − income tax (per FY 2025-26 slabs for the chosen regime).
Worked example: ₹12 lakh CTC, 40% basic, new regime FY 2025-26: employer PF ₹21,600 + gratuity ₹23,088 leave the CTC first; then employee PF, professional tax and (here) zero income tax come off. Monthly in-hand: ₹94,268.
PF rules per the Employees' Provident Funds Act (₹1,800/month cap); gratuity at 4.81% per the Payment of Gratuity Act; tax per Finance Act 2025.
CTC includes employer PF (12% of basic), gratuity (~4.81% of basic) and sometimes insurance — none of which you receive monthly. Then employee PF, professional tax and income tax come off. A 15–25% haircut is normal.
Usually the new regime for FY 2025-26, thanks to zero tax up to ₹12 lakh taxable income. Toggle the regime above to see your exact difference.
No — it varies by state (Maharashtra: ₹2,500/year; Karnataka: ₹2,400; some states: nil). The calculator uses ₹2,500; adjust mentally for your state.
No — enter your fixed CTC. Variable pay is taxed in the year received; add it to income in our Income Tax Calculator for the full picture.
EPF contributions apply to basic salary up to the ₹15,000/month statutory wage ceiling (12% = ₹1,800). Many companies contribute on full basic voluntarily — if yours does, your in-hand will be slightly lower and your PF higher.
Disclaimer: Planning illustration only — not tax or payroll advice. Uses standard assumptions (PF cap, Maharashtra professional tax, metro HRA rate); your salary structure may differ.