Free tool · FY 2026-27
CTC to in-hand salary calculator
Enter your CTC to see your monthly take-home pay, PF, professional tax and income tax, and which tax regime leaves you more.
The new regime leaves you about ₹1,40,568 more a year with the deductions you entered.
Salary breakup (new regime)
| Component | Monthly | Yearly |
|---|---|---|
| Basic | ₹48,798 | ₹5,85,576 |
| HRA | ₹19,519 | ₹2,34,228 |
| Special allowance | ₹27,478 | ₹3,29,736 |
| Gross salary | ₹95,795 | ₹11,49,540 |
| Your PF (12%) | −₹1,800 | −₹21,600 |
| Professional tax | −₹200 | −₹2,400 |
| Income tax (TDS) | ₹0 | ₹0 |
| In-hand salary | ₹93,795 | ₹11,25,540 |
Paid by the employer, inside CTC
| Employer PF | ₹1,800 | ₹21,600 |
|---|---|---|
| Gratuity | ₹2,405 | ₹28,860 |
Taxable income: ₹10,74,540 after the ₹75,000 standard deduction. FY 2026-27 rules. An estimate: your payslip can differ with bonuses, other income or your company's salary structure.
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Common questions
How is in-hand salary calculated from CTC?
Take out what the employer pays inside your CTC (employer PF, ESI and gratuity) to get your gross salary. Then take off your own PF, ESI, professional tax and income tax. What is left, divided by 12, is your monthly in-hand pay.
How much tax is there on a ₹12 lakh salary in the new regime?
In FY 2026-27 there is no tax on taxable income up to ₹12 lakh in the new regime, and salaried people also get a ₹75,000 standard deduction. So a gross salary of up to ₹12.75 lakh pays no income tax.
Which tax regime is better for me?
The new regime has lower rates and suits most people. The old regime can work out better if you claim large deductions, such as HRA on high rent, a home loan and full 80C. Enter your deductions above to compare.
Why is basic pay set at 50% of CTC?
Under the new Labour Codes, wages (mainly basic pay) must be at least half of total pay, or the excess counts towards PF and gratuity. Many companies have moved basic to 50%. You can change it above.
Is PF calculated on full basic?
PF is 12% of basic. Many companies cap it at 12% of ₹15,000 (₹1,800 a month). Some pay it on full basic, which saves more but lowers in-hand pay. Choose either above.
Does this calculator store my salary?
No. It works entirely in your browser and nothing you type is sent to us.
Need an Excel version for your team? Download the free salary structure template.