CTC to In-Hand Salary Calculator
Estimate your monthly take-home salary for India with a clear breakup of tax, EPF, gratuity, and salary components for FY 2026-27.
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This calculator is built for salaried professionals in India. It gives a practical salary estimate using a standard CTC structure and common deduction assumptions.
| Salary Component | Annual (₹) | Monthly (₹) |
|---|---|---|
| Basic Salary | 0 | 0 |
| HRA | 0 | 0 |
| Special Allowance | 0 | 0 |
| Employer PF (Deduction) | 0 | 0 |
| Gratuity (Deduction) | 0 | 0 |
| Gross Salary | 0 | 0 |
| Employee PF | 0 | 0 |
| Professional Tax | 0 | 0 |
| Income Tax & Cess | 0 | 0 |
| In-Hand Salary | 0 | 0 |
Understanding CTC vs In-Hand Salary
Cost to Company (CTC) is the total amount your employer spends on you. However, you do not receive this full amount in your bank account.
Your actual take-home (In-Hand) salary is calculated after standard structural deductions.
Common Deductions
- EPF (Provident Fund): 12% of your Basic salary goes to your retirement fund. Both you and your employer contribute.
- Professional Tax: A state-level tax, usually around ₹200 per month.
- Income Tax (TDS): Deducted based on your tax slab and chosen regime.
- Gratuity: A portion (4.81% of basic) withheld for long-term service reward.
Tip: The New Tax Regime is the default for FY 2026-27. It offers lower tax rates but does not allow most deductions (like Section 80C). Choose the Old Regime only if you have high investments or pay significant house rent.
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Built around common Indian salary structures, EPF rules, gratuity logic, and current salaried tax guidance.
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Frequently Asked Questions
CTC (Cost to Company) is the total annual expense a company incurs on you. It includes your basic pay, allowances, employer PF contributions, and gratuity. In-hand (or take-home) salary is what you actually receive in your bank account every month after all structural and tax deductions are made.
The New Tax Regime is usually better for young professionals because it offers lower tax rates and a full rebate up to a higher income limit. Choose the Old Regime only if you are claiming heavy deductions like Section 80C (EPF, LIC), high HRA, and home loan interest.
Provident Fund (PF) is calculated at 12% of your Basic Salary. Usually, there are two parts: Employer PF (which is part of your CTC) and Employee PF (which is deducted from your Gross Salary). Both go into your EPF account.
Professional Tax is a direct tax levied by state governments in India. The maximum amount is usually capped at ₹2,500 per year, and it varies depending on which state you work in.
It is designed as a strong salaried estimate for FY 2026-27 using the current new regime slab structure, standard deduction, rebate logic, and common salary assumptions. If you claim HRA, home-loan interest, NPS, or other custom deductions, treat the result as an estimate and compare it with your payslip or tax adviser.
Absolutely. This website runs entirely in your browser using pure JavaScript. When you enter your CTC, the data is never sent to our servers or saved anywhere. Your financial privacy is 100% protected.