Free Calculator · India · Updated May 2026

Take-Home Salary Calculator, India CTC to In-Hand

Convert annual CTC to monthly in-hand. Choose old or new tax regime; see PF, ESI, PT and TDS deductions broken out clearly. Updated for FY 2026-27 slabs.

Indian salary structures look complex but follow a predictable pattern: CTC breaks into basic, HRA, special allowance, employer PF and other components; statutory deductions then reduce gross to in-hand. This calculator converts annual CTC to monthly in-hand using FY 2026-27 tax slabs, with old- vs new-regime toggle.

Result

Monthly in-hand (approx.)

₹83,884

Annual in-hand

₹10,06,609

Gross annual (after employer PF)₹11,35,200
Employee PF (annual)₹64,800
Professional Tax (annual)₹2,400
Income tax (new regime)₹61,391

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Components & formula

  • Basic = typically 40-50% of CTC.
  • HRA = typically 40-50% of basic (50% for metro, 40% non-metro).
  • Employer PF = 12% of basic + DA, capped at ceiling × 12% for EPS.
  • Gross salary = CTC − Employer PF − Gratuity provision − other employer-side components.
  • Net (in-hand) = Gross − Employee PF (12% basic) − ESI (0.75% gross if eligible) − Professional Tax (per state) − TDS (per regime + investment declaration).

Worked example

CTC Rs. 12 lakh / year. Basic 45% = Rs. 5,40,000. HRA 50% basic = Rs. 2,70,000. Special allowance fills the gap. Employer PF = Rs. 64,800 (12% basic). Gross = 12,00,000 − 64,800 ≈ Rs. 11,35,200. Employee PF = Rs. 64,800. Professional Tax (Karnataka) = Rs. 2,400. New-regime TDS on taxable Rs. 10,68,000 ≈ Rs. 65,000. Annual in-hand ≈ Rs. 10,03,000, about Rs. 83,500 / month.

FAQ

Take-Home Salary Calculator, common questions

CTC (Cost to Company) is the total annual cost the employer pays including employer PF, gratuity provision, insurance and other benefits. In-hand is the net monthly amount credited to your bank after employee-side deductions (PF, ESI, PT, TDS).
New regime has flatter slabs but fewer exemptions; old regime has higher slabs but allows 80C, HRA, LTA, home-loan interest deductions. The break-even depends on your investment / deduction levels. A salary in the Rs. 8-15 lakh range with full 80C + HRA + home-loan generally favours old; salaries with no investments often favour new.
Lowest of: (a) actual HRA received, (b) 50% basic for metros / 40% non-metro, (c) actual rent paid minus 10% of basic. Old regime only; new regime does not allow HRA exemption.
Yes, the old-regime mode lets you enter 80C, 80D, HRA, home-loan interest. New regime calculation uses flat slabs with the standard deduction.
0-3L nil; 3-7L 5%; 7-10L 10%; 10-12L 15%; 12-15L 20%; 15L+ 30%. Standard deduction of Rs. 75,000 applies to salaried. Subject to confirmation in the Finance Bill 2026.
Most common reasons: variable pay (bonus, incentives) not included, employer LTA / meal vouchers / NPS not factored, professional-tax slab varies per state, advance TDS shortfall or excess in earlier months. The calculator gives the baseline; ask payroll for the cycle-by-cycle figure.
Yes, and runs them per employee per cycle, automatically applying old/new regime per the employee's annual declaration. Same numbers; production-grade scheduling.

Run these calculations every cycle, automatically

WappBlaster Payroll computes gratuity, PF, ESI, PT, TDS, HRA, OT and leave encashment for every employee per cycle, no spreadsheets, no formulas, no errors. Priced on the Attendance Suite tiers (from ₹2,100/year for 7 staff on attendance, plus per-user field options).

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