CTC to In-Hand Salary Calculator India (2026) – Calculate Take Home Pay

Convert your annual CTC package into monthly in-hand salary instantly. This tool calculates Employer PF, Gross Salary, and Income Tax (FY 2025-26 New Regime) for a complete salary breakdown.

About | Formula | Example | FAQs

Salary Configuration

%
%

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
₹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

The "Cost to Company" (CTC) includes several components that are never credited to your bank account, such as employer PF contributions and non-cash perks. To get a realistic idea of your monthly budget, you must calculate the "Take-Home" or "In-Hand" salary by deducting statutory payments and income tax. Browse all tools on our Financial Calculators page. You can also use our Salary Breakup Calculator to see the full structural details.

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

Related Financial Calculators

Breakup Calc

In-Hand Calc

Salary Hike

Income Tax

SIP Calc

Net Worth

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.

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.