CTC to In-Hand Calculator India 2026: Monthly Net Pay

Salary Configuration

Annual CTC (₹)

Basic Salary (% of CTC)

HRA (% of Basic)

Monthly Allowances (₹)

Annual Bonus (₹)

Employee PF (%)

Prof. Tax (Monthly)

Tax Calculation Mode

Auto (New Regime) Manual (%)

Gross Monthly

₹0

Monthly Deductions

₹0

Net Take-Home Projection

Estimated Monthly In-Hand

₹0

Annual In-Hand

₹0

Take Home Pay Total Deductions

₹0

💡 Efficiency Insight

Analyzing tax and savings impact...

Detailed Breakdown Table

Component	Monthly	Annual

Calculation Logic

Net In-Hand = Gross Salary – (Employee PF + Professional Tax + Income Tax)

Step 1: Calculate Basic as % of CTC.

Step 2: Calculate Employer PF as 12% of Basic.

Step 3: Gross Salary = CTC – Employer PF.

Step 4: Apply Income Tax on (Gross – Standard Deduction).

Example Case (₹10 LPA CTC)

For a CTC of ₹10,00,000:

Employer PF Portion: ₹60,000
Annual Gross Salary: ₹9,40,000
Income Tax (New Regime): ₹0 (Rebate up to ₹12L)
Monthly In-Hand: ₹73,133

Understanding CTC vs In-Hand Salary

Cost to Company (CTC) is the total annual expenditure an employer commits to spend on an employee. However, your monthly take-home or "in-hand" salary is significantly lower after deducting employer and employee EPF, gratuity provisions, professional tax, and income tax (TDS).

Evaluating an employment offer requires looking past the headline CTC figure to analyze your true liquid bank deposit. Break down all salary components on our salary breakup calculator and compare your tax liability across both tax frameworks using our tax regime breakeven calculator. Calculate your annual tax liability on our income tax calculator, claim house rent deductions with our HRA calculator, compute end-of-service gratuity on our gratuity calculator, and check statutory state deductions on our professional tax calculator.

Accurate salary calculation is vital during appraisals or job switches. Use our Income Tax Calculator to compare different regimes and maximize your savings.

Frequently Asked Questions

What is in-hand salary?

In-hand salary is the actual amount credited to your bank account after all deductions like PF, Income Tax, and Professional Tax from your CTC.

Difference between CTC and net salary?

CTC (Cost to Company) includes employer's contributions to your PF and other perks. Net salary is the cash component you receive after deducting taxes and your own PF contribution.

How is income tax calculated on salary?

For FY 2025-26, the New Tax Regime calculates tax based on slabs after a standard deduction of ₹75,000. If your taxable income is up to ₹12 Lakhs, you get a full rebate.

What is PF deduction?

Provident Fund (PF) is a mandatory savings scheme. Usually, 12% of your Basic salary is deducted as your contribution, matched by an equal contribution from your employer.

How to increase take-home salary?

You can increase take-home by negotiating for higher allowances that are tax-exempt (like HRA or LTA) or by choosing the New Tax Regime if you have few deductions.

What is the in-hand salary for ₹10 LPA CTC?

Under the New Tax Regime (FY 25-26), a person with ₹10 LPA CTC (assuming 50% basic) would receive roughly ₹73,000 - ₹75,000 per month as there is zero tax.

New vs old tax regime difference?

The Old Regime allows you to claim deductions for HRA, 80C (LIC, PPF), and Home Loan, but has higher tax rates. The New Regime has lower rates but allows almost no deductions.

8. Why is in-hand salary significantly lower than CTC?

CTC (Cost to Company) includes non-cash and deferred benefits such as employer PF contribution, gratuity provision, health insurance premium, and variable performance bonus, whereas in-hand salary reflects only net cash payouts after monthly TDS and PF deductions.

Quick Summary

• Your bank-credited pay is Gross Salary minus statutory deductions.

• New Tax Regime (2025-26) offers zero tax up to ₹12 Lakhs taxable income.

• PF and Professional Tax are mandatory monthly deductions.

• Use our EMI Calculator to plan your home or car purchase based on your net pay.