Take-Home Salary Calculator (CTC → In-Hand)
FY 2025-26 & FY 2026-27. See your monthly in-hand pay after PF, professional tax and income tax — compared across the New and Old regime.
Old regime deductions (optional)
Your employee PF is already counted under 80C automatically.
New Regime
More in-handOld Regime
The New Regime gives you ₹9,354 more in-hand per month.
Where your CTC goes (New regime)
Full breakdown (annual)
| Cost to Company (CTC) | ₹12,00,000 |
| Basic salary | ₹6,00,000 |
| − Employer PF | ₹72,000 |
| − Gratuity | ₹28,860 |
| Gross (taxable) salary | ₹10,99,140 |
| − Employee PF | ₹72,000 |
| − Professional tax | ₹2,400 |
| − Income tax (incl. cess) | ₹0 |
| In-hand / year | ₹10,24,740 |
| In-hand / month | ₹85,395 |
FAQ
How is in-hand salary calculated from CTC?
Your CTC includes employer contributions that never reach you — mainly employer PF (12% of Basic) and gratuity. Subtract those to get your gross salary, then subtract your own employee PF (12% of Basic), professional tax, and income tax. What's left is your in-hand pay.
Why is my take-home much lower than my CTC?
CTC is the total cost to your employer, not your salary. Employer PF, gratuity, your own PF, professional tax, and income tax are all carved out before you receive your in-hand amount — commonly 20–30% of CTC for higher salaries.
Which regime gives more in-hand salary?
The calculator computes take-home under both the New and Old regime and highlights whichever leaves more in your pocket. The New regime usually wins unless you claim large deductions (80C, 80D, HRA, home-loan interest) under the Old regime.
Is employee PF counted under 80C?
Yes. Your own 12% PF contribution automatically counts toward the ₹1.5 lakh 80C limit in the Old regime, so the calculator includes it for you — just add any extra 80C investments (ELSS, insurance, etc.).
Is this exact?
It's a close estimate for a salaried individual. It applies current slab rates, 4% cess, standard deduction and the ₹12 lakh new-regime rebate, but does not model surcharge above ₹50L, variable pay timing, or company-specific salary structures.