Convert your Cost to Company into exact monthly take-home pay - after PF, professional tax, and income tax. Supports Old & New Tax Regime. No sign-up. No data stored.
✓ FY 2025-26 Updated✓ Old & New Regime✓ 100% Private✓ Instant Results
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CTC to In-Hand Salary Calculator
Enter your CTC and preferences - get exact monthly take-home after all deductions.
Monthly In-Hand
₹0
Annual: ₹0
Gross Monthly
₹0
Total Deductions
₹0
Tax (Monthly)
₹0
📊 Salary Breakdown
Component
Monthly (₹)
Annual (₹)
Gross Salary
₹0
₹0
Employee PF
₹0
₹0
Professional Tax
₹0
₹0
Income Tax (Est.)
₹0
₹0
Total Deductions
₹0
₹0
Gross salary excludes Employer PF, which is part of CTC but not paid as cash salary.
🏢 Employer Contribution (not credited to your bank)
Component
Annual (₹)
Employer PF
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— How It Works —
How This Calculator Works
Enter your CTC and a few preferences - get your exact monthly take-home in seconds.
1
Enter Your CTC
Type the annual Cost to Company from your offer letter - the total package your employer spends on you.
2
Set Your Preferences
Choose your state for professional tax, Basic % of CTC, PF percentages, and your preferred tax regime.
3
Get Full Breakdown
See gross salary, all deductions - PF, professional tax, income tax - and your exact monthly in-hand instantly.
4
Compare Tax Regimes
Switch between Old and New regimes and get an instant recommendation on which one saves you more tax.
What Is CTC and How Is It Different from In-Hand Salary?
CTC (Cost to Company) is the total annual expense your employer incurs for your employment - including Basic Salary, HRA, allowances, Employer PF, Gratuity, and any other benefits. It is the figure on your offer letter, but it never reaches your bank account in full.
In-hand salary (take-home pay) is what actually gets credited to your account each month - after Employee PF (12% of Basic), professional tax, and income tax TDS are subtracted from your gross salary. For most salaried employees in India, in-hand is 60–75% of CTC depending on salary level, tax regime, and state of employment.
CTC → Gross Salary → In-Hand: How the Math Works
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CTC
Total employer cost - includes Employer PF (12% of Basic), Gratuity (4.81%), and all allowances. The highest number, never fully reaches your bank.
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Gross Salary
CTC minus employer-side costs (Employer PF + Gratuity). Still before employee deductions like Employee PF and income tax TDS.
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In-Hand Salary
Gross salary minus Employee PF, professional tax, and income tax TDS. This is what lands in your bank account every month.
Old vs New Tax Regime - Which Is Better for You?
🆕 New Regime (Default from FY 2023-24)
Lower, flatter tax rates across all slabs
Standard deduction of ₹75,000
No HRA, 80C, 80D, LTA exemptions
Rebate: zero tax up to ₹7L net income
Best for those with fewer investments
📋 Old Regime
Higher base tax rates
Standard deduction of ₹50,000
Allows HRA, 80C, 80D, LTA, NPS deductions
Rebate: zero tax up to ₹5L net income
Best for those with high investments or rent
Use the calculator above - switch between regimes and compare your exact in-hand salary instantly.
For a ₹10L CTC, most employees take home ₹65,000–₹72,000/month after all deductions - regime and state vary results.
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Zero Tax Up to ₹7L Under New Regime
Section 87A rebate makes net income up to ₹7 lakh completely tax-free under the New Regime for FY 2025-26.
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Employer PF Never Reaches Your Bank
Employer PF (12% of Basic) is deposited to your EPF account - it's part of CTC but not part of monthly take-home.
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PT Applies in Only ~12 Indian States
Professional Tax is state-levied and capped at ₹2,500/year by law. Many states don't levy it at all.
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₹75,000 Std. Deduction Saves Up to ₹22,500
For those in the 30% slab, the New Regime's standard deduction of ₹75,000 saves ₹22,500 in tax annually.
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Higher Basic % = Lower Take-Home, More Corpus
A higher Basic % means more PF and gratuity deductions - less monthly take-home but a larger retirement corpus.
FAQ
Frequently Asked Questions
CTC (Cost to Company) is the total annual cost your employer incurs - including Basic Salary, HRA, Employer PF, Gratuity, and all other allowances. In-hand salary is what gets credited to your bank each month, after Employee PF, professional tax, and income tax TDS are deducted from your gross salary. In-hand is always lower than CTC - typically 60–75% of it.
For most Indian salaried employees, in-hand salary is approximately 60–75% of CTC. The exact figure depends on your CTC level (higher CTC = higher income tax = lower %), tax regime chosen, the state you work in (for professional tax), and your Basic Salary percentage. Enter your exact CTC in the calculator above for a precise estimate.
It depends on your investments and deductions. The New Regime generally gives more in-hand for those who don't have high 80C investments, HRA, or home loan interest. The Old Regime is better if you claim significant deductions - HRA exemption, 80C investments (PPF, ELSS, insurance), or home loan interest. This calculator shows you both comparisons and recommends the better one for your CTC.
In most private companies, Basic Salary is set at 40–50% of CTC. A higher Basic means higher PF contributions (which build your retirement corpus) but also higher mandatory deductions - slightly reducing take-home. A lower Basic means more special allowances and higher monthly take-home but a smaller EPF corpus. Government employees typically have Basic at 50% of CTC.
Employer PF (12% of Basic Salary) is included in your CTC because it is a cost your employer bears for you - but it is deposited directly into your EPF account, not your bank account. It forms part of your retirement savings. Similarly, Gratuity (4.81% of Basic) is a CTC component paid only as a lump sum after 5+ years of service - it never forms part of monthly take-home.
Yes. The calculator uses FY 2025-26 tax slabs for both regimes. New Regime: standard deduction ₹75,000, slabs from 5% to 30%, and Section 87A rebate making income up to ₹7L tax-free. Old Regime: standard deduction ₹50,000, slabs 5%/20%/30%, and 87A rebate up to ₹5L. Cess of 4% is applied to computed tax in both regimes.
Professional Tax (PT) is a state-level levy applicable in only ~12 states. This calculator supports: Maharashtra (₹2,500/year for gross salary > ₹10,000/month), Karnataka (₹2,400/year for gross > ₹15,000/month), Tamil Nadu (₹2,500/year for gross > ₹12,500/month). If your state doesn't levy PT, select "None / Other". The maximum PT allowed by law across all states is ₹2,500/year.
Completely safe. All calculations run entirely in your browser using JavaScript - no data is transmitted to any server, stored in any database, or shared with any third party. Close the tab and all your inputs are gone. We don't use cookies or tracking for this calculator.
Find Out Your Exact Take-Home
Enter your CTC above - free, private, and updated for FY 2025-26.