In-Hand Salary Calculator
What actually lands in your account each month after PF, professional tax and income tax.
- Monthly gross
- ₹95,200.00
- Your PF
- ₹-4,800.00
- Income tax (monthly)
- ₹-0.00
- What you keep
- ₹90,191.67
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| Annual CTC | ₹12,00,000.00 |
|---|---|
| Employer PF contributionInside CTC, never paid to you monthly | ₹-57,600.00 |
| Gross salary | ₹11,42,400.00 |
| Your PF contribution | ₹-57,600.00 |
| Professional tax (annual) | ₹-2,500.00 |
| Income tax + cessnew regime, standard deduction ₹75,000.00 | ₹-0.00 |
| Annual take-home | ₹10,82,300.00 |
- Basic is taken as the percentage of CTC you enter, and both PF contributions are 12% of that basic. Some employers cap PF at ₹15,000 of basic, which changes the figure.
- Income tax is computed on the slabs and standard deduction for FY 2025-26, with the Section 87A rebate. Professional tax and 80C/80D are deductible only in the old regime.
- Variable pay, joining bonus, stock and shift allowances are excluded, because they are not paid monthly. Add them to CTC only if they are guaranteed and you want the annual picture.
- HRA exemption under Section 10(13A) is not modelled — it is available only in the old regime and depends on your rent, city and basic. Use the income tax calculator for the exact figure.
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- Downloadable PDF report of any result
- Saved history you can reopen later
- CSV export for your own records
About the in-hand salary calculator
Your CTC is not your salary. A typical offer letter bundles the employer's PF contribution, sometimes a gratuity provision and a performance bonus into the headline number, and then deducts your own PF, professional tax and income tax from the rest. The gap between CTC and the monthly credit in your bank account is routinely 20–30%.
This calculator unpacks it. Enter the annual CTC, then adjust the basic percentage, the HRA share and the PF settings to match your actual offer — Indian companies commonly use 40–50% of CTC as basic, but the exact split changes the arithmetic and should come from your letter, not from a guess.
The income tax is computed on the new regime slabs for FY 2025-26, with the standard deduction and the Section 87A rebate, and professional tax at the state rate you choose. Variable pay is excluded from the monthly figure on purpose: a bonus is usually paid annually, not spread over twelve months.
Frequently asked questions
How is in-hand salary calculated from CTC?
Subtract everything that is not paid to you monthly: the employer's PF contribution, gratuity provision and annual bonus. From the remainder, deduct your own PF contribution, professional tax and TDS. What is left, divided by twelve, is your monthly take-home.
Why is my in-hand much lower than CTC divided by 12?
Three reasons stack up: the employer's PF and gratuity inside CTC were never payable to you monthly, your own PF and professional tax are deductions, and income tax is withheld every month. Together they commonly take 20–30% off the headline figure.
Does the calculator use the old or the new tax regime?
The new regime, which is the default for FY 2025-26 and the one most new offers are structured around. If you have opted for the old regime and claim deductions such as 80C, 80D or home-loan interest, use the income tax calculator for the exact figure instead.
Is HRA exempt in the new regime?
No. The HRA exemption under Section 10(13A) is only available in the old regime. If you claim HRA and live in a metro, that exemption can be large enough to change which regime is better for you.
Is professional tax the same everywhere in India?
No. Professional tax is a state levy with different slabs and caps — Maharashtra, Karnataka and several other states charge up to ₹2,500 a year, while some states charge nothing at all. Pick your state, or set it to zero if yours does not levy it.
Disclaimer
These calculators are for estimates and general information only. They are not financial, investment, tax or legal advice, and they do not replace a chartered accountant, a financial adviser or the official rules. Rates, slabs and thresholds change — verify anything important against the source before acting on it.
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