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CTC se in-hand salary — tax, PF aur deductions ke baad haath me kitna aayega.

Last updated: 7 Oct 2026 · Calculation based on publicly known formulas. This is an estimate — actual values may vary.

How we calculated it

Monthly in-hand = (CTC − Employer PF − Gratuity − Income Tax − Cess − Employee PF − Professional Tax) ÷ 12.

We start from your annual CTC and apply a standard salary structure: Basic = 40% of CTC, HRA = 50% of Basic, Employer PF = 12% of Basic and Gratuity = 4.81% of Basic. Employer PF and gratuity sit outside your CTC payout, so they are removed first. Taxable income = CTC − Employer PF − Gratuity − standard deduction (₹75,000 new regime / ₹50,000 old regime).

Tax is computed on FY 2026-27 slabs. New regime: 0–4L nil, 4–8L 5%, 8–12L 10%, 12–16L 15%, 16–20L 20%, 20–24L 25%, above 24L 30% — with the Section 87A rebate making tax zero when taxable income is ₹12 lakh or less. Old regime: 0–2.5L nil, 2.5–5L 5%, 5–10L 20%, above 10L 30% — rebate when taxable income is ₹5 lakh or less. A 4% health & education cess is added on the tax. Finally we subtract employee PF (12% of Basic) and a flat ₹2,500/year professional tax, then divide by 12.

What can change your in-hand pay

  • Your company's actual Basic/HRA split may differ from the 40%/50% standard.
  • Old-regime deductions (80C, 80D, HRA exemption) are not modelled here and can lower your tax.
  • Professional tax varies by state — ₹2,500/year is a common flat figure.
  • Bonuses, variable pay and reimbursements can shift the monthly number.

Related searches: ₹5 lakh CTC in-hand salary, ₹8 lakh CTC in-hand, ₹10 lakh CTC in-hand, ₹12 lakh CTC monthly salary, CTC vs in-hand salary, salary calculator FY 2026-27, new vs old tax regime.

Last updated: 7 Oct 2026. Calculation based on FY 2026-27 income tax slabs and the salary-structure assumptions stated above. Data source: Income Tax Department slab rates for individuals. This is an estimate. Actual values may vary.

This is an estimate. Actual values may vary. For official figures, always check the relevant authority or official notification.

Frequently asked questions

What is the difference between CTC and in-hand salary?
CTC (cost to company) is everything your employer spends on you, including employer PF, gratuity and taxes. In-hand salary is what actually reaches your bank account each month after all deductions. The gap is usually 15–30% of CTC.
Which tax regime gives higher in-hand salary — new or old?
It depends on your deductions. The new regime has lower slab rates and a zero-tax rebate up to ₹12 lakh taxable income, which wins for most people without big 80C/80D/HRA claims. The old regime wins if you claim large deductions. Use the toggle above to compare both.
Is the Section 87A rebate applied in this calculator?
Yes. If your taxable income is ₹12 lakh or less under the new regime (₹5 lakh or less under the old regime), income tax is set to zero before cess — exactly as Section 87A works.
Why is gratuity subtracted from CTC?
Gratuity is a retirement benefit your employer sets aside (4.81% of Basic here). It is part of CTC accounting but is not paid to you monthly, so it is excluded from the in-hand calculation.
Does this include HRA exemption or 80C deductions?
No. This calculator uses a standard structure and standard deduction only. HRA exemption, 80C (PF, ELSS, PPF), 80D (insurance) and similar deductions can reduce tax further, especially under the old regime — treat the result as a conservative estimate.

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