Business tool
CTC to In-Hand Salary Calculator
Turn an Indian CTC into monthly in-hand salary after employer PF, gratuity, employee PF, professional tax and income tax under the new or old regime.
Free, no sign-up. Runs in your browser; nothing is uploaded.
Salary
Usually 40 to 50%.
Paid yearly; taxed with your salary.
Tax
In-hand salary
The old regime would give ₹82,413 a month.
Breakdown
- Annual CTC
- ₹12,00,000
- Employer PF (12% of PF wage)
- - ₹21,600
- Gratuity (4.81% of basic)
- - ₹23,077
- Employer NPS
- - ₹0
- Employer benefits
- - ₹0
- Gross salary
- ₹11,55,323
- Employee PF (12%)
- - ₹21,600
- Professional tax
- - ₹2,400
- Income tax (new regime, incl. cess)
- - ₹0
- Annual in-hand
- ₹11,31,323
Tax rules for FY 2026-27, last checked 6 November 2026. Gratuity is paid on leaving after five years. Employer PF and gratuity are part of CTC but not paid monthly. Estimate only; your payslip can differ.
How to use the ctc to in-hand salary calculator
From the offer letter to the bank account
An offer letter quotes CTC, the cost to company. What lands in your account each month is usually quite a bit less. This calculator shows where the difference goes.
Fill in your package
- Enter the annual CTC and the basic as a percentage of it.
- Add variable pay, employer NPS and any employer-paid insurance or benefits.
- Choose whether PF is computed on the 15,000 wage ceiling or on the full basic, and whether gratuity is inside your CTC.
- Pick your state's professional tax and your tax regime.
For the old regime, add HRA exemption, other 80C investments and health insurance. Your own PF counts toward 80C automatically.
What is deducted
- Employer PF, gratuity, NPS and benefits come out of CTC first to give your gross salary.
- Employee PF is taken from your pay each month.
- Professional tax is a small state levy.
- Income tax is worked out on gross salary after the standard deduction, using the FY 2026-27 slabs, rebate, surcharge and cess shared with our India income tax calculator. Rules were last checked on 6 November 2026.
Read the result
You get monthly in-hand, annual in-hand, the percentage of CTC you actually keep and the tax per month. If you have variable pay, the tool also estimates your fixed monthly in-hand without it. A comparison line shows what the other regime would give.
Use it to negotiate
- Ask for the CTC split, not just the total. A low basic raises in-hand pay but lowers PF and gratuity.
- Compare two offers by in-hand salary, not CTC.
Treat the result as an estimate. Payslips can differ because of employer policies.
Frequently asked questions
Why is in-hand salary lower than CTC?
CTC includes things you do not receive monthly, such as the employer PF, gratuity, insurance and any variable pay. Then employee PF, professional tax and income tax are deducted from what is left.
How is PF calculated?
Both you and your employer contribute 12 percent of the PF wage. Many companies cap the wage at 15,000 a month, so the contribution is 1,800 a month. Some pay on the full basic, which you can select by clearing the ceiling option.
How is gratuity worked out?
Gratuity accrues at 15 days of basic per year of service, which is basic x 15 / 26 / 12 per month, about 4.81 percent of basic. It is paid on leaving after five years of service.
Which tax regime should I choose?
The tool shows the in-hand salary for the other regime too. The new regime usually wins unless you claim large old-regime deductions such as HRA, 80C and home loan interest.
How current are the tax rules?
They use the same FY 2026-27 rules as the India income tax calculator, last checked on 6 November 2026. Professional tax varies by state, so choose the nearest preset.