CTC to In-Hand Salary Calculator
Monthly take-home from CTC: PF, new-regime tax with cess, professional tax.
Inputs
This calculator assumes India's new tax regime. Old-regime-only deductions and exemptions — 80C, 80D, HRA exemption, home loan interest, and similar — don't apply here and won't reduce the number shown.
- In-hand₹12,34,040(82%)
- PF (both shares)₹1,80,000(12%)
- Income tax₹83,460(6%)
- Professional tax₹2,500(0%)
- In-hand pay a year
- ₹12,34,040
- CTC
- ₹15,00,000
- Employer PF (part of CTC, not paid to you)
- ₹90,000
- Gross salary
- ₹14,10,000
- Your PF (12% of basic)
- ₹90,000
- Income tax, including 4% cess
- ₹83,460
- Professional tax
- ₹2,500
- Basic pay
- ₹7,50,000
- New regime, Tax Year 2026-27. Gratuity provisions, variable pay and employer benefits that some companies fold into CTC are not separated out; subtract them from CTC first if yours includes them.
Use this calculator on your own site
Free embed
- Two lines of HTML, unlimited views
- Shows a small CalculateEveryday bar, with a credit link under the calculator
What each CTC to In-Hand Salary input means
- Annual CTC
- The annual cost to company in your offer letter. If it includes a performance bonus that isn't guaranteed, a gratuity provision or insurance premiums, subtract those first for a truer monthly figure.
- Basic pay as a share of CTC
- Basic pay plus dearness allowance as a share of CTC, from your salary breakup. Under the Labour Codes allowances above half of pay count as wages, so 50% is the common floor; older structures often used 40%.
- PF is worked out on
- Whether your employer pays PF on your full basic pay or only up to the statutory ceiling, ₹25,000 a month since 17 September 2026. Your salary breakup shows it: a PF line of ₹3,000 a month means the ceiling.
- Professional tax a year
- The professional tax your state charges, up to ₹2,500 a year under the Constitution. Some states, such as Delhi, don't levy it; enter 0 there.
CTC to In-Hand Salary formula
In-hand = CTC − employer PF − your PF − income tax (new regime, with cess) − professional tax, where PF = 12% of basic (or of the ₹25,000 ceiling)
Cost to company includes your employer's provident fund contribution, which never reaches your account, so that comes off first; what remains is your gross salary. Your own PF contribution, 12% of basic pay, comes out of gross pay too. Employers either contribute on your full basic or cap it at the statutory wage ceiling, ₹25,000 a month since 17 September 2026, which is ₹3,000 a month from each side. Income tax is the real new-regime figure on gross salary: the ₹75,000 standard deduction, slabs, the rebate up to ₹12 lakh with marginal relief, surcharge above ₹50 lakh and 4% cess. Professional tax, set by your state and capped at ₹2,500 a year, is the last deduction. Under the Labour Codes in force since November 2025, allowances above half of total pay are counted as wages anyway, which is why basic pay of 50% of CTC is the common structure.
CTC to In-Hand Salary worked example
A ₹15,00,000 CTC with basic pay at half of it, ₹7,50,000, sets aside ₹90,000 of employer PF, leaving ₹14,10,000 gross. Your own PF takes another ₹90,000. Income tax on ₹13,35,000 taxable is ₹80,250 plus ₹3,210 cess, ₹83,460, and professional tax ₹2,500. That leaves ₹12,34,040 a year in hand, ₹1,02,837 a month.
More CTC to In-Hand Salary examples
On ₹8,00,000 CTC with basic at 50%, PF takes ₹48,000 from each side, leaving ₹7,52,000 gross. Taxable income is ₹6,77,000, well inside the rebate, so there is no income tax at all. After your PF and ₹2,500 professional tax, in-hand pay is ₹7,01,500 a year, ₹58,458 a month.
On ₹30,00,000 CTC with basic at 40% and PF capped at the ₹25,000 ceiling, PF is ₹36,000 a year from each side, leaving ₹29,64,000 gross. Income tax with cess, ₹4,64,568, is by far the largest deduction at this level. In-hand pay is ₹24,60,932 a year, ₹2,05,078 a month.
Where the CTC to In-Hand Salary calculator can give the wrong answer
- Gratuity provisions, insurance and variable pay folded into CTC are not separated out. Take them off the CTC figure if your offer letter includes them, or in-hand pay will look higher than it is.
- This uses the new regime. Under the old regime, HRA, 80C and other deductions change the tax; the HRA calculator handles the HRA part.
- Voluntary PF above 12%, NPS contributions and ESIC (for gross pay up to ₹21,000 a month) are not deducted here.
- If your employer started PF at the new ₹25,000 ceiling only from 17 September 2026, the first half of the year's PF was lower; this shows a full year at the rate you choose.
Spotted a mistake? Tell us
CTC to In-Hand Salary reference table
| Annual CTC | Gross salary | Income tax for the year | In-hand a month |
|---|---|---|---|
| ₹6,00,000 | ₹5,64,000 | ₹0 | ₹43,792 |
| ₹10,00,000 | ₹9,40,000 | ₹0 | ₹73,125 |
| ₹15,00,000 | ₹14,10,000 | ₹83,460 | ₹1,02,837 |
| ₹20,00,000 | ₹18,80,000 | ₹1,67,440 | ₹1,32,505 |
| ₹30,00,000 | ₹28,20,000 | ₹4,19,640 | ₹1,84,822 |
| ₹50,00,000 | ₹47,00,000 | ₹10,06,200 | ₹2,82,608 |
CTC to In-Hand Salary FAQ
- Offer letters often leave out the tax, include variable pay you may not receive, or assume old-regime deductions. This works from the real new-regime tax, PF on basic pay and professional tax; adjust the CTC for any bonus or benefit that isn't paid monthly.
- No. CTC includes your employer's PF contribution, which goes to your PF account rather than your bank, and sometimes gratuity provisions and insurance. Gross salary is what's left; in-hand pay is gross minus your own PF, tax and professional tax.
- It rose from ₹15,000 to ₹25,000 a month on 17 September 2026, the first change since 2014. Where PF is capped at the ceiling, each side now pays up to ₹3,000 a month instead of ₹1,800, so in-hand pay falls slightly while your PF balance grows faster.
- Under the Labour Codes in force since November 2025, if allowances make up more than half of total pay, the excess is treated as wages for PF and gratuity. Structuring basic at half of pay avoids that adjustment.
- It depends on the structure, because employer PF isn't part of taxable salary. With basic at 50% and PF on full basic, gross salary stays within ₹12,75,000, and tax at nil, up to a CTC of about ₹13.5 lakh.