Turn the annual Cost to Company on your offer letter into the amount that actually reaches your bank each month, after provident fund, professional tax and income tax. The calculator shows the full slab walk, so you can check every rupee rather than trust a single headline number.
Estimates use the current financial year's tax rules and the salary structures most Indian employers use. Surcharge above ₹50,00,000 of taxable income is not modelled and the tool says so when you cross it. Your actual salary slip depends on your company's own structure, the exemptions you claim and any change in tax law.
This CTC to in-hand salary calculator converts the annual package on your offer letter into the money that actually lands in your bank account each month. The gap between the two is rarely small: employer provident fund is a cost your company carries but never pays you as salary, your own PF leaves before the transfer, professional tax applies in some states, and income tax is deducted at source every month. Enter your CTC above and the tool walks the whole distance, from package to payslip, using the current financial year's slabs for both the old and the new regime.
It also works as an annual CTC calculator when you are comparing two offers, since it shows the annual and monthly figures side by side and names which regime costs you less at your income. If your offer quotes a gross salary rather than a package, the in-hand salary calculator starts one step later. If you want the package split into Basic, HRA and allowances, that is the salary breakup calculator. Both sit alongside eighteen more tools on the salary calculators hub. Nothing you type here leaves your browser.
Each step maps to one thing the calculator asks you for, and one thing it prints back.
What this calculator returns at the package sizes people actually get offered.
Before you enter your own figures, this CTC to in-hand salary chart shows what the tool returns across the common range. Every row was computed by the calculator above on its default settings, so you can reproduce any line by typing that package in. Notice where income tax first appears: everything up to 12 LPA carries none at all, because the section 87A rebate covers it, and that is why in-hand sits at roughly 90 percent of CTC through the whole lower half of the chart.
| Annual CTC | Monthly In-Hand | Annual In-Hand | Income Tax for the Year |
|---|---|---|---|
| ₹2.5 LPA | ₹18,833 | ₹2,26,000 | Nil |
| ₹3 LPA | ₹22,600 | ₹2,71,200 | Nil |
| ₹3.5 LPA | ₹26,367 | ₹3,16,400 | Nil |
| ₹4 LPA | ₹30,133 | ₹3,61,600 | Nil |
| ₹4.5 LPA | ₹33,900 | ₹4,06,800 | Nil |
| ₹5 LPA | ₹37,667 | ₹4,52,000 | Nil |
| ₹5.5 LPA | ₹41,433 | ₹4,97,200 | Nil |
| ₹6 LPA | ₹45,200 | ₹5,42,400 | Nil |
| ₹7 LPA | ₹52,733 | ₹6,32,800 | Nil |
| ₹8 LPA | ₹60,267 | ₹7,23,200 | Nil |
| ₹10 LPA | ₹75,333 | ₹9,04,000 | Nil |
| ₹12 LPA | ₹90,400 | ₹10,84,800 | Nil |
| ₹15 LPA | ₹1,05,811 | ₹12,69,732 | ₹86,268 |
| ₹18 LPA | ₹1,24,531 | ₹14,94,371 | ₹1,32,829 |
| ₹20 LPA | ₹1,36,297 | ₹16,35,568 | ₹1,72,432 |
| ₹25 LPA | ₹1,64,392 | ₹19,72,700 | ₹2,87,300 |
Across this chart in-hand runs from 90.4 percent of CTC at the bottom down to 78.9 percent at 25 LPA. Stretch the range to 50 LPA and the floor falls to about 70 percent. Two things move that share: tax, which only starts biting past 12 LPA, and your Basic percentage, which decides how much goes to provident fund on both sides. Add professional tax and the monthly figure drops by up to ₹208. If your package is quoted per month, convert it on the annual salary calculator first, and if you want the same package split into Basic, HRA and allowances, take it to the salary breakup calculator.
₹18,00,000 CTC, Basic at 40 percent, provident fund at 12 percent on both sides, working in Maharashtra, new regime. This is the same calculation the tool runs, printed as five stops.
Almost nobody is paid their CTC. Cost to Company is an accounting figure: everything your employer spends to keep you employed for a year, including money that is set aside on your behalf rather than handed to you. The question people are really asking when they type a package into a calculator is narrower and more useful. How much arrives in my account on the last working day of the month? That is the only question this tool answers, and it answers it by walking the same route your payroll department walks.
It is built for anyone holding an annual package figure: a fresher comparing two offers, someone weighing a counter-offer against a notice period, a parent working out whether a relocation makes sense once professional tax and rent are in the picture. If what you are holding is a gross salary rather than a package, the in-hand salary calculator is the better starting point. If you want the tax layer on its own, with no salary structure around it, that is post-tax salary.
The arithmetic is four moves, and the calculator prints each one as its own table so you can check them against your payslip rather than take them on trust. It runs on the current financial year's slabs for both regimes.
The tax step is where most calculators go quiet. This one prints the full slab walk, every band including the ones your income never touches, then the rebate, then marginal relief where it applies, then cess. Both regimes and both rebate thresholds are published by the Income Tax Department, and the provident fund rates come from the Employees Provident Fund Organisation.
A package has more moving parts than a take-home figure needs. The table below lists what this tool models, what it deliberately leaves alone, and which side of your bank transfer each item lands on.
| Component | Reaches your bank? | How this tool handles it |
|---|---|---|
| Basic salary | Yes | Set as a percentage of CTC, 40 percent by default. It is the base for both provident fund contributions and for gratuity, so it drives more than it looks like it does. |
| HRA and allowances | Yes | Absorbed into gross rather than itemised. For a component-by-component split, use the salary breakup calculator. |
| Employer provident fund | No | Subtracted from CTC to reach gross. It is yours, but it goes to your EPF account. The PF calculator tracks the balance over a career. |
| Employee provident fund | No | Deducted from gross at your chosen rate on Basic. Under the old regime it also counts towards section 80C, up to the statutory cap. |
| Professional tax | No | Applied by state. Many states levy none, and Article 276(2) caps it at ₹2,500 a year everywhere. Deductible under the old regime only. |
| Income tax (TDS) | No | Computed through the full slab walk with the section 87A rebate, marginal relief and 4 percent cess. |
| Gratuity | No | Not subtracted from CTC here. Where your offer letter shows it as a separate line, your real gross is lower. See the gratuity calculator. |
| Variable pay and bonus | Sometimes | Not modelled as a separate line. If a chunk of your package is a performance bonus, your monthly figure is lower than shown and the shortfall arrives once a year. The bonus calculator covers that. |
The difference between CTC and in-hand salary is the single most common source of disappointment in an Indian offer letter, and it is almost always a difference of definition rather than of dishonesty. Three numbers describe the same job and they are not interchangeable. CTC is what you cost. Gross is what you are paid. In-hand is what you receive. Every step between them is money going somewhere specific, and most of it is going somewhere that belongs to you.
The regime choice sits on top of all of that. Each one runs different rates, different deductions and a different rebate threshold, and which one wins depends on what you can actually claim rather than on which sounds better.
Enter your own package above and the tool computes both, then names the cheaper one and the size of the gap. For the comparison on its own, without a salary structure wrapped around it, the old vs new tax regime calculator is the dedicated tool, and take-home salary approaches the same ground from the gross side.
A take-home figure is only interesting when a decision hangs on it. These are the moments it usually does.
The short version first: this is a modelling tool built on the structures most Indian employers use, not a reader of your actual payslip. Where it assumes something, it says so. Where it stops being reliable, it stops rather than guessing.
What this calculator does not model. Surcharge above ₹50,00,000 of taxable income is not computed, and the result says so on screen when you cross that line rather than quietly returning a low tax figure. Gratuity is not subtracted from CTC. Variable pay is treated as ordinary monthly salary.
For a full computation at high incomes, including surcharge and its own separate marginal relief, use the income tax calculator, which is this silo's owner of that rule.
Just above the new regime rebate threshold, tax before cess is capped at the amount by which your taxable income exceeds that threshold. Cess is then charged on the capped figure, so every additional rupee of income inside that narrow band costs four paise of take-home. Measured on this page's default settings, in-hand falls by about ₹430 for every ₹5,000 of extra CTC across roughly ₹13,39,000 to ₹14,13,000 of package, a total dip of about ₹6,383 a year before it recovers. This is the statute working exactly as written. It is not a bug in the calculator and it must not be smoothed away.
The statutory provident fund wage ceiling is ₹15,000 a month, and an employer may lawfully cap contributions there. In practice most private employers above that wage contribute on actual Basic instead, which is what this tool models. If your employer uses the ceiling, your provident fund deduction is smaller and your take-home is higher than shown. Of the employer's share, a portion goes to the pension scheme rather than to your provident fund balance, which does not change your take-home but does change where the money sits.
Professional tax is levied by states and, in Tamil Nadu, by individual local bodies, so a single national figure does not exist. This tool carries Maharashtra, Karnataka and the Greater Chennai Corporation slabs, plus a ceiling estimate for other states that applies the constitutional maximum rather than understating it. Maharashtra exempts women below a higher wage threshold and this tool has no gender input, so it will overstate professional tax in that case. The professional tax calculator carries the full state detail.
No Indian statute fixes Basic at any share of CTC. The 40 percent default reflects common private practice, and government pay structures usually sit higher. Raising it moves money out of your monthly transfer and into provident fund and gratuity, so a higher Basic means less now and more later. Your own salary annexure is the only authority on your package, and where it disagrees with this tool, your annexure wins.
Every monthly figure here is the annual figure divided by twelve. Real payroll is not that even. Tax deducted at source is often front-loaded or trued up near the end of the financial year, professional tax is higher in February in several states, and a mid-year change to your declared investments shifts the remaining months. Treat the monthly number as a planning average rather than a prediction of any single payslip.
Leave the other-deductions field blank and the old regime calculation counts only your provident fund towards section 80C and claims no house rent allowance exemption, so the tax it reports is a ceiling rather than a forecast. Enter your real house rent exemption, your remaining 80C investments, health premiums and pension contributions and the comparison becomes meaningful. This is the single biggest reason a regime comparison looks lopsided when it should not.
This calculator sits in the middle of a chain. One step earlier is the package itself, one step later is the payslip, and either direction has a tool built for it.
The gap between a package and a payslip catches out first-time employees and twenty-year veterans alike, because the arithmetic changes every time the slabs move. Whoever you are, the question is the same: what actually arrives on payday? This calculator is free, needs no account, and keeps every number you type inside your own browser.
CTC is the total annual cost your employer carries for you. It includes Basic, HRA, every allowance, the employer's provident fund contribution and often a gratuity provision. In-hand salary is what lands in your bank account each month, after your own provident fund, professional tax and income tax come out of gross. In-hand is always the smaller figure, and on this page's default settings it runs between roughly 79 and 90 percent of CTC across common package sizes.
It depends on the package size, the regime you pick, your Basic percentage and your state. On the calculator's defaults a 10 lakh package returns about 75,333 a month, a 12 lakh package returns 90,400, 15 lakh returns 1,05,811 and 25 lakh returns 1,64,392. The share falls as the package grows because more income sits in the higher slabs. The chart above lists every common package size, and entering your own CTC gives you the exact figure with all four tables.
The new regime usually wins if you claim little, because its rates are lower across seven bands and the section 87A rebate removes tax entirely up to a generous threshold. The old regime can win if you pay significant rent or hold a full 80C basket. This calculator computes both and names the cheaper one. Leave the other-deductions field blank and the old regime figure is a ceiling, not a forecast, so enter your real exemptions before deciding.
Employer provident fund is a percentage of your Basic and it is deposited straight into your EPF account, never into your bank account. It counts as a cost to your employer, so it sits inside CTC, but it never becomes cash salary. Gratuity behaves the same way and is paid as a lump sum after five years of qualifying service. The provident fund calculator tracks how that balance grows across a full career.
Yes. It runs the FY 2026-27 slabs for both regimes. New regime: standard deduction of 75,000, nil up to 4,00,000, then 5 to 30 percent across bands ending above 24,00,000, with the section 87A rebate making taxable income up to 12,00,000 tax free and marginal relief just above that point. Old regime: standard deduction of 50,000, slabs of 5, 20 and 30 percent, and the rebate up to 5,00,000. Cess of 4 percent applies in both.
Professional tax is a state levy and many states do not impose it at all. Article 276(2) of the Constitution caps it at 2,500 a year everywhere, so at most it costs a little over 200 a month. This tool carries Maharashtra, Karnataka and the Greater Chennai Corporation slabs, plus a ceiling estimate for other states. Karnataka exempts monthly salaries below 25,000 under its current slab. The professional tax calculator carries the full state by state detail.
Multiply the monthly package by twelve and enter that as your annual CTC, because this tool works in annual figures throughout. It then returns both a monthly and an annual in-hand number, so you get the payslip view and the yearly view together. The annual salary calculator does that conversion for you if you would rather not do it by hand, and the monthly salary calculator works the other way when you already know your gross.
No, and that is a deliberate limit rather than an oversight. Surcharge applies once taxable income passes 50,00,000 and rises in bands above that, with its own separate marginal relief at each threshold. When you cross that line the result says so on screen and points you at the income tax calculator, which owns surcharge for this silo. Below that level, which covers the whole chart on this page, nothing is missing from the computation.
Only indirectly. Many offer letters load a gratuity provision into CTC as a separate line, and this calculator does not subtract it, so where your annexure shows one your real gross salary is slightly lower than the figure here. Gratuity is not cash salary in any case: it is paid as a lump sum after five years of qualifying service, calculated on your last drawn Basic. The gratuity calculator computes that amount on its own.
There is no spreadsheet download and no export button. Everything runs in your browser and nothing is saved, so the results disappear when you close the tab. You can select any of the four result tables and paste them straight into a spreadsheet yourself, which keeps the rows and columns intact, or use your browser's print option, which preserves the results panel and drops the buttons.
Yes. Every calculation happens in your browser using JavaScript. Nothing you type is sent to a server, written to a database or shared with anyone. There is no sign-up, no cookie is set for this tool, and the figures you enter are never logged. Close the tab and your inputs are gone for good. That is also why there is no saved history and no way to retrieve a previous calculation.
Enter your annual CTC and read the whole walk, from package to payslip, on the current financial year's slabs. Free, private, and nothing is stored.
💼 Calculate My In-Hand SalaryWorking from a gross figure instead? Try the in-hand salary calculator. Want the package split by component? That is the salary breakup calculator. Comparing regimes on their own? Use old vs new tax regime, or browse all twenty tools on the salary calculators hub.