In-Hand Salary Calculator (CTC to Take-Home)
Convert your CTC into the monthly amount that actually arrives.
✓ FY 2025-26 new-regime rules · updated June 2026
Assumes the new tax regime with the ₹75,000standard deduction. Actual in-hand varies with your company's salary structure (HRA, allowances, gratuity provision), state professional tax and any voluntary deductions.
Results are estimates for information only, not financial advice. See how we build and verify our calculators.
CTC and take-home are very different numbers. This calculator converts your annual CTC into the monthly in-hand amount after employer and employee PF, income tax under the new regime (FY 2025-26), and professional tax — with each deduction shown.
How to use the Salary Calculator
- Enter your annual CTC and your basic salary percentage (40–50% is typical).
- Keep 'employer PF in CTC' checked if your offer letter counts it in CTC (most do).
- Read your monthly in-hand, annual tax and PF deductions.
Frequently asked questions
Why is my in-hand salary so much lower than CTC?
CTC includes things you never see monthly: the employer's PF contribution, gratuity provision and sometimes insurance or bonuses. Income tax and your own PF contribution then come out of the rest.
What percentage of CTC is basic salary?
Commonly 40–50%. A higher basic raises PF (forced savings and lower in-hand) and HRA; a lower basic does the reverse. Your offer letter's salary structure has the exact split.
Which tax regime does this use?
The new regime for FY 2025-26 with the ₹75,000 standard deduction — the default for most salaried taxpayers. Old-regime deductions like 80C and HRA exemption are not modelled.