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CTC to In-Hand Salary Calculator (India)

Convert annual CTC to monthly in-hand salary — new regime FY 2025-26 tax, PF & gratuity deductions. Instant, accurate estimate.

  • 🧮 Calculator
  • ✓ Free
  • ✓ No sign-up
  • ✓ Private — runs in your browser
  • ✓ Any device

Estimated monthly in-hand

₹

Annual: ₹

₹
Your PF / yr
₹
Income tax / yr
₹
Gross / yr

Rough estimate — new tax regime, FY 2025-26 (AY 2026-27) rates (₹75,000 standard deduction, nil tax up to ₹12L taxable income, 4% cess). Real take-home varies with your exact salary structure, HRA, allowances and employer PF policy.

Why you’ll love CTC to In-Hand Salary Calculator (India)

Instant & freeNo signup, no paywall, no limits — CTC to In-Hand Salary Calculator (India) works the moment the page loads.
Completely privateEverything runs in your browser. Nothing you enter is ever uploaded or stored on a server.
Works on any deviceFully responsive and touch-friendly — use it on your phone, tablet or desktop.
Accurate & clearBuilt on the real formulas, with a breakdown you can actually trust.

How to use it

  1. 01

    Open it

    No download and no login — the tool is ready right at the top of this page.

  2. 02

    Use it

    Enter your details or start interacting. Everything updates live as you go.

  3. 03

    Get your result

    Copy, download or share your result in a single tap. That’s it.

About CTC to In-Hand Salary Calculator (India)

This CTC to in-hand salary calculator converts an Indian annual CTC into the monthly amount that actually lands in your bank account. Enter your CTC, the basic-pay percentage (40% is the common default) and your state's professional tax, and it estimates your monthly and annual take-home under the new tax regime for FY 2025-26 (AY 2026-27).

The method mirrors a real salary structure. Basic pay is taken as your chosen percentage of CTC. The employer's PF contribution (12% of basic) and gratuity provision (4.81% of basic) are removed from CTC to arrive at your gross salary — they are part of your cost to the company, but you never see them in a payslip. From gross, the calculator deducts your own 12% PF contribution, income tax under the new regime — ₹75,000 standard deduction, nil tax up to ₹12 lakh of taxable income via the Section 87A rebate (with marginal relief), slabs of 5% to 30% above that, plus 4% cess — and your annual professional tax.

A worked example: on a ₹10,00,000 CTC with 40% basic, employer PF is ₹48,000 and gratuity ₹19,240, leaving a gross of ₹9,32,760. Taxable income after the standard deduction is ₹8,57,760 — under the ₹12 lakh rebate threshold, so income tax is zero. After ₹48,000 employee PF and ₹2,400 professional tax, the in-hand works out to about ₹73,530 per month.

Your salary figures never leave your browser — nothing is uploaded or logged — so it is safe to model a real offer letter. Treat the output as a close estimate: actual take-home varies with HRA, special allowances, variable pay and your employer's exact PF policy.

Popular uses

  • ✦ Convert a job offer's CTC into realistic monthly take-home before accepting
  • ✦ Compare two offers with the same CTC but different basic-pay structures
  • ✦ Plan rent, EMIs and monthly budget around actual in-hand pay before switching jobs
  • ✦ Explain a salary breakup to candidates as a recruiter or HR partner
  • ✦ Estimate how an appraisal hike translates to monthly salary after tax and PF

Frequently asked questions

Why is my in-hand salary so much lower than my CTC?
CTC (cost to company) counts everything your employer spends on you, not what you receive. The employer's 12% PF contribution and the 4.81% gratuity provision alone remove roughly 6-7% of a typical CTC before gross salary is even computed. Your own PF contribution, income tax and professional tax then come out of gross. On a ₹10 lakh CTC with 40% basic, monthly in-hand is typically around ₹73,000-74,000 — not ₹83,333.
Which tax regime and financial year does this calculator use?
It applies the new tax regime for FY 2025-26 (AY 2026-27): a ₹75,000 standard deduction on salary, the Section 87A rebate that makes tax nil up to ₹12 lakh of taxable income (with marginal relief just above it), slabs of 5%, 10%, 15%, 20%, 25% and 30% beyond that, and 4% health and education cess. The old regime with HRA and 80C deductions is not modelled — if you claim large old-regime deductions, your actual tax may differ.
Is a ₹12 lakh salary really tax-free under the new regime?
The nil-tax threshold applies to taxable income, not CTC. Because employer PF and gratuity are carved out of CTC and a ₹75,000 standard deduction applies to gross, a CTC of roughly ₹13.6 lakh (at 40% basic) can still result in zero income tax. Cross the ₹12 lakh taxable line, though, and tax phases in — marginal relief ensures a small overshoot never costs more than the extra income earned.
What should I enter for professional tax?
Professional tax is a state levy on salaried income, capped at ₹2,500 per year. Maharashtra and Karnataka charge close to the cap (around ₹2,400-2,500), most southern and eastern states charge something in between, and states like Delhi, Haryana and UP levy none — enter 0 there. Check your current payslip: it appears as a small fixed monthly deduction, usually ₹200.
Why does changing "Basic as % of CTC" change my take-home?
PF and gratuity are both percentages of basic pay, so a higher basic means larger PF contributions from you and your employer and a bigger gratuity provision — reducing monthly in-hand while increasing your retirement savings. A lower basic does the opposite. Companies typically set basic between 35% and 50% of CTC, which is why two offers with identical CTC can pay noticeably different monthly amounts.
Is CTC to In-Hand Salary Calculator (India) free to use?
CTC to In-Hand Salary Calculator (India) is 100% free — no signup, no watermarks and no usage limits. It’s one of 200+ free tools we build and give away.
How accurate is this calculator?
It uses the standard formulas and shows its working, so you can verify every number. For big decisions, treat the result as a reliable estimate.

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