In-Hand Salary Calculator
Calculate your monthly in-hand salary from CTC — with PF, professional tax, income tax, HRA, and all deductions broken down.
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How to use this calculator
- 1
Enter your annual CTC (Cost to Company) — this includes all components, employer PF, and gratuity.
- 2
Set your basic salary percentage — typically 40–50% of CTC.
- 3
Choose your tax regime — the new regime with standard deduction of ₹75K is default for FY 2025-26.
- 4
The calculator deducts employer PF, employee PF, income tax, and professional tax to arrive at in-hand salary.
Frequently asked questions
How does this tool get from CTC to monthly in-hand pay?
This tool uses gross salary = CTC − employer PF, then in-hand = gross − employee PF − professional tax − income tax with cess, divided by 12 for the monthly figure. Employer PF is 12% of basic, capped at ₹21,600 a year. At the default ₹12,00,000 CTC that is ₹11,78,400 gross and ₹96,200 a month in hand.
Which tax figures are built in?
These are the figures built into this tool, not a statement of current law. New regime, labelled FY 2025-26: standard deduction ₹75,000, slabs of 0% up to ₹4,00,000, then 5%, 10%, 15%, 20% and 25% in ₹4,00,000 steps and 30% above ₹24,00,000, with tax set to zero when taxable income is ₹12,00,000 or less. Old regime: standard deduction ₹50,000 less employee PF, slabs at 0/5/20/30% from ₹2,50,000, zero tax at ₹5,00,000 or less. Cess is 4% of tax.
Do the HRA and other-allowance inputs change the result?
No. HRA percentage and other allowances are accepted but not used, because CTC is already the starting total and the tool applies no HRA exemption. Changing them leaves every line the same. The basic-salary percentage and the employee PF percentage do change the result, through the two PF amounts.
How are employee and employer PF capped?
Both are capped at ₹21,600 a year in this tool. Employee PF is your percentage of basic, capped at that figure, so entering 24% does not double it past the cap. Professional tax is ₹2,400 a year when the metro option is selected and ₹0 otherwise.
What happens just above the zero-tax limit?
The tool applies no relief between the two outcomes, so the step is abrupt. A CTC of ₹12,96,600 gives taxable income of exactly ₹12,00,000 and income tax of ₹0, with ₹1,04,250 a month in hand. A CTC of ₹12,96,700, only ₹100 more, gives ₹62,416 of tax and ₹99,057 a month.
What does the tool leave out?
Gratuity, insurance and bonus components inside CTC are not deducted separately, only employer PF is. It also ignores HRA exemption, section 80C and 80D deductions, home-loan interest, employer NPS, state-specific professional tax and variable pay timing. Real withholding depends on location, filing status and employer.
Are zero entries respected?
Yes. A basic salary of 0% or an employee PF of 0% is used as typed, giving no PF on that side. A CTC of zero or less returns a single ₹0 line. Only an empty value falls back to a default of 40% basic or 12% PF.
CTC to in-hand salary: what the tool deducts
From cost to company to money received
The calculator starts with the annual CTC and removes the employer’s PF share to reach gross salary. It then takes off your PF, professional tax and income tax with cess. What remains, divided by twelve, is the monthly in-hand figure. Other items sometimes included in CTC are not removed unless you lower the CTC you enter to exclude them.
Worked examples under both regimes
A ₹12,00,000 CTC under the new regime gives ₹11,78,400 gross, ₹21,600 employee PF, ₹2,400 professional tax and no income tax, so ₹96,200 a month. A ₹20,00,000 CTC has ₹1,87,907 of tax and cess, leaving ₹1,47,208 a month. An ₹8,00,000 CTC under the old regime has ₹7,06,800 of taxable income, ₹56,014 of tax and ₹58,199 a month.
Four runs side by side
These rows cover the new regime at two CTC levels and the old regime with and without professional tax and PF. In the last row, setting PF to 0% and choosing the no-professional-tax option removes both small deductions, so the only deduction left is income tax. All amounts are annual unless marked monthly.
| Set-up | Taxable income | Tax with cess | Annual in-hand | Monthly in-hand |
|---|---|---|---|---|
| ₹12,00,000, new regime | ₹11,03,400 | ₹0 | ₹11,54,400 | ₹96,200 |
| ₹20,00,000, new regime | ₹19,03,400 | ₹1,87,907 | ₹17,66,493 | ₹1,47,208 |
| ₹8,00,000, old regime | ₹7,06,800 | ₹56,014 | ₹6,98,386 | ₹58,199 |
| ₹15,00,000, old, no PT, 0% PF | ₹14,28,400 | ₹2,50,661 | ₹12,27,739 | ₹1,02,312 |
The cliff at the zero-tax limit
Because tax is switched to zero for taxable income up to ₹12,00,000 and computed in full above it, two CTCs ₹100 apart can differ by about ₹5,200 a month in hand. The tool shows that step as it stands, with no smoothing. If your CTC is close to that line, check the result against your payslip or an official calculator.
Assumptions to keep in mind
Everything here, from the ₹21,600 PF cap to the slab rates, is a fixed figure in the code, with the new regime labelled FY 2025-26. The HRA and allowance inputs do not affect the answer, and a state without professional tax can be chosen to set that line to zero. Use the result as an estimate to compare structures, not as a payslip. If your offer letter lists the deductions separately, compare them line by line with the PF, professional tax and income tax lines shown here.
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Results are estimates for informational purposes only and do not constitute professional financial, medical, legal, or technical advice. Read full disclaimer →