CTC to in-hand salary calculator · free What will you actually take home?
Your in-hand salary is your CTC minus the employer's PF and gratuity, then minus your own PF, professional tax and income tax. Put in the CTC from your offer to see the monthly take-home pay that reaches your bank account, under both tax regimes, with every deduction listed.
Updated · rules for FY 2026-27 (AY 2027-28)
- Free, always
- No sign-up
- Stays in your browser
Your salary
Most offers use 40–50%. The new labour codes push it towards 50%.
Metro: Delhi, Mumbai, Kolkata, Chennai, Bengaluru, Hyderabad, Pune, Ahmedabad.
Depends on your state; some charge none. It can't be more than ₹2,500 a year.
In-hand salary
₹93,795/ month
₹11,25,540 a year · 94% of your CTC
The new regime leaves you ₹11,714 more a month (₹1,40,568 a year).
Where your CTC goes
Salary structure
Earnings · monthly
Deductions
Paid by the company, inside CTC
How to use the Salary Calculator
- Enter the annual CTC from your offer letter.
- Set your basic pay as a share of CTC, and the city you work in.
- Say how PF is worked out and whether employer PF and gratuity are counted inside your CTC.
- Add your rent and 80C or 80D investments if you're weighing up the old regime.
- Read your monthly take-home pay with every deduction listed, under both tax regimes.
Worked example
An offer of ₹12,00,000 CTC in a metro city, with basic at 50% of CTC, PF worked out on the ₹15,000 wage ceiling, and both employer PF and gratuity counted inside the CTC. These are the figures the calculator opens with.
| CTC | ₹12,00,000 |
| Employer PF (12% of ₹15,000 × 12) | − ₹21,600 |
| Gratuity (4.81% of basic) | − ₹28,860 |
| Gross salary | ₹11,49,540 |
| Your PF | − ₹21,600 |
| Professional tax | − ₹2,400 |
| Income tax, new regime (taxable ₹10,74,540) | − ₹0 |
| In-hand, per year | ₹11,25,540 |
| In-hand, per month | ₹93,795 |
The gross salary splits into basic ₹6,00,000, HRA ₹3,00,000 and a special allowance of ₹2,49,540. Taxable income stays under ₹12 lakh after the ₹75,000 standard deduction, so the 87A rebate takes the new-regime tax to nil. Under the old regime, with no rent or investments beyond PF, the tax would be ₹1,40,568 and the take-home ₹82,081 a month.
How it's calculated
CTC is everything a company spends on you in a year. Some of it never reaches your account: it goes into your provident fund, is kept aside for gratuity, or is paid as tax. The calculator walks through it in this order.
In-hand = CTC − employer PF − gratuity − your PF − professional tax − income tax
- Basic is a share of CTC you choose (usually 40–50%). HRA is 50% of basic in a metro city and 40% elsewhere. Whatever is left becomes the special allowance.
- Employer PF and gratuity come out of CTC first, if your company counts them in it. PF is 12% of basic, or of ₹15,000 when it's capped. Gratuity is set aside at 4.81% of basic, which is 15 days' wages a year (15 ÷ 26 ÷ 12).
- Your own deductions come out of the gross: your 12% PF, professional tax (₹2,400 a year by default, never more than ₹2,500), and income tax.
Income tax, FY 2026-27
Under the new regime, there's a ₹75,000 standard deduction and no tax at all if your taxable income is ₹12 lakh or less, thanks to the section 87A rebate. That means a gross salary (not CTC) of up to ₹12.75 lakh is tax-free, if it's your only income.
The old regime has higher rates but lets you claim HRA, 80C (up to ₹1.5 lakh, including your PF), 80D and professional tax. It usually only wins when those deductions are large.
Tax is the slab tax, minus any 87A rebate, plus a 4% health and education cess.
Rules used: 12% employee and employer PF under the EPF Scheme, 1952, on wages up to ₹15,000 a month where capped; gratuity at 15 days' wages a year under the Payment of Gratuity Act, 1972; professional tax capped at ₹2,500 a year by Article 276 of the Constitution; HRA exemption under section 10(13A) and income tax under sections 115BAC and 87A of the Income-tax Act, 1961, at FY 2026-27 rates.
Questions