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
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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
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