Salary Calculator: CTC to In-hand
Turn a CTC offer into the salary that reaches your bank account each month, after PF, professional tax and income tax.
Income tax uses FY 2025-26 (AY 2026-27) rules with the standard deduction. HRA exemption, perks and variable pay are left out; your payslip may differ.
How to use the Salary Calculator
Enter the yearly CTC from your offer letter and the share that is basic salary (often 40–50%). Tick what your employer counts inside the CTC: their PF contribution and gratuity usually are.
In-hand pay is the gross salary minus your own PF, professional tax and income tax. Professional tax depends on the state; ₹2,400–2,500 a year is common.
Frequently asked questions
Why is in-hand salary less than CTC ÷ 12?
CTC includes money you do not receive monthly: the employer’s PF contribution, gratuity, and sometimes bonuses or insurance. Your own PF, professional tax and income tax are also deducted.
How much PF is deducted?
12% of basic salary from you, and 12% from the employer. Many employers cap it at 12% of ₹15,000, which is ₹1,800 a month.
Which tax regime is better for salaried people?
For most people the new regime pays less tax, since income up to ₹12.75 lakh is tax-free for salaried employees. The old regime can win if you claim large deductions such as HRA, 80C and home loan interest.
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