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In-Hand Salary Calculator

See your monthly take-home from a CTC after PF, professional tax and income tax, or work out the CTC you need for a target salary.

Monthly take-home

₹94,276

about ₹11.31 Lakh a year from a CTC of ₹12 Lakh

Gross salary a year

₹11.55 Lakh

Income tax a year

₹0

Employee PF a year

₹21,600

Take-home a year

₹11.31 Lakh

Salary breakup

How CTC becomes take-home. Employer PF and gratuity are part of CTC but are not paid to you each month.

Salary breakup per month and per year
Component	Per month	Per year
Basic salary	₹40,000	₹4,80,000
House rent allowance	₹20,000	₹2,40,000
Special allowance	₹36,276	₹4,35,312
Employer PF (inside CTC)	₹1,800	₹21,600
Gratuity (inside CTC)	₹1,924	₹23,088
Total CTC	₹1,00,000	₹12,00,000
Less: employer PF and gratuity (not paid out monthly)	-₹3,724	-₹44,688
Less: employee PF	-₹1,800	-₹21,600
Less: professional tax	-₹200	-₹2,400
Less: income tax (TDS)	₹0	₹0
Take-home pay	₹94,276	₹11,31,312

An estimate for fixed pay. It ignores variable pay, perquisites, employer NPS, surcharge and mid-year changes, and every employer splits CTC differently, so your payslip is the authority. Tax uses the slabs from our income tax calculator for FY 2026-27. Not tax advice.

How to use this salary calculator

Enter your annual CTC, or switch to "CTC for a target salary" and enter the monthly take-home you want.
Set how your CTC is split: the basic percentage and the HRA percentage of basic.
Choose how PF is worked out, whether gratuity is inside your CTC, and your professional tax.
Pick the new or old tax regime. For the old regime, add your HRA exemption and deductions.
Read the monthly take-home and the full breakup, then compare it with your payslip.

What the numbers mean

Term	Meaning
CTC	Total yearly cost to the employer, including their PF and gratuity
Gross salary	CTC minus employer PF and gratuity: the salary that is taxed
Employee PF	12% of basic (or of ₹15,000 if capped), deducted from your pay
Take-home	Gross minus employee PF, professional tax and income tax

A worked example

On a CTC of ₹12,00,000 with 40% basic, 50% of basic as HRA, PF capped at ₹1,800 a month, gratuity in CTC and ₹200 a month professional tax, the gross salary is ₹11,55,312. There is no income tax under the new regime because taxable income after the ₹75,000 standard deduction is ₹10,80,312, which is under the ₹12 lakh limit for a nil-tax rebate. The take-home is about ₹94,276 a month.

At ₹24,00,000 CTC the same settings give about ₹1,69,445 a month, after ₹2,74,878 of yearly income tax. To take home ₹1,00,000 a month with these settings you need a CTC of about ₹12.7 lakh.

Working out the CTC you need

Negotiating an offer usually starts from a take-home target. The "CTC for a target salary" mode searches for the CTC that leaves exactly that monthly amount after PF and tax, with your chosen structure. Because tax rises in steps, doubling the take-home needs slightly more than double the CTC.

Tax regime and deductions

The new regime has lower rates and no HRA or 80C deduction. The old regime has higher rates but lets you deduct HRA exemption, Section 80C investments and more. If you rent a home, the HRA exemption calculator shows the exemption to enter here, and the SIP calculator shows what an ELSS investment could do for your 80C. To plan a loan against your take-home, use the EMI calculator.

Limits of this calculator

This is an estimate. Every company splits CTC differently, and it ignores variable pay, perquisites, employer NPS, reimbursements, surcharge, arrears and any mid-year change of job or tax regime. Your payslip is the authority.

Frequently Asked Questions (FAQ)

CTC (cost to company) is everything your employer spends on you in a year, including money that never reaches your bank account each month, such as the employer's PF contribution and gratuity. In-hand (take-home) salary is what is credited after the employee PF, professional tax and income tax are taken out.

Gross salary = CTC - employer PF - gratuity. In-hand = gross salary - employee PF - professional tax - income tax (TDS), then divided by 12. This calculator splits CTC into basic, HRA and a special allowance using the percentages you set, and works out tax on the taxable part.

Common reasons are a larger PF (many employers deduct 12% of the full basic rather than capping it), variable pay paid separately, insurance or meal-card deductions, and a different split of basic and allowances. Switch the PF option to "12% of full basic" and enter other monthly deductions to get closer to your payslip.

The new regime by default, with a standard deduction of ₹75,000, the slabs used in our income tax calculator for FY 2026-27 and a rebate that makes income up to ₹12 lakh taxable at nil. Choose the old regime to add HRA exemption, Section 80C and other deductions. The income tax calculator on this site compares both in detail.

A state tax on salary, collected monthly by the employer. It is capped at ₹2,500 a year, is ₹200 a month in many states that levy it, and some states do not charge it at all. Enter what your payslip shows.

Gratuity is a retirement benefit paid after five years of service. Many companies include about 4.81% of basic salary a year in CTC for it, which is 15 days of pay for each year worked spread across the year. It is not paid monthly, so it is removed from the take-home.

No. Enter only the fixed part of your CTC. Variable pay, joining bonus and reimbursements are taxed differently and paid on other dates, so they are best worked out separately.