CTC to In-Hand Salary Calculator (India) – 2026 Take Home Pay
Estimate your in-hand salary from CTC, accounting for PF, professional tax, and income tax. Tailored for salaried employees in India.
Your Salary Breakdown
Monthly In-Hand (₹)
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Annual In-Hand (₹)
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Total Deductions (₹)
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Deduction Breakdown (Annual)
Salary Breakdown
Salary Planning Tips
Review your payslip to verify deductions.
Plan savings with your in-hand salary.
Consult a tax advisor to optimize exemptions.
More Tools to Explore:
Your Guide to CTC to In-Hand Salary
What’s a CTC to In-Hand Calculator?
A CTC to In-Hand Salary Calculator helps you understand how much salary you will actually receive every month after deductions.
CTC (Cost to Company) includes many components like basic salary, provident fund, bonuses, and taxes. However, not all of this money comes into your bank account.
This calculator estimates your take-home (in-hand) salary by subtracting common deductions such as provident fund (PF), professional tax, and income tax. It is designed specifically for salaried employees in India and uses the latest tax rules for quick and clear results.
How In-Hand Salary Is Calculated
Steps used:
Basic Salary:
40% of CTC (or 50% for metro cities)
Provident Fund (PF):
12% of Basic Salary (employee contribution)
Professional Tax (PT):
State-specific (e.g., ₹2,500/year in Maharashtra)
Taxable Income:
CTC - Bonus - PF (Employer + Employee) - PT - Standard Deduction (₹50,000)
Income Tax (New Regime):
Slabs: 0% (≤₹3L), 5% (₹3–7L), 10% (₹7–10L), 15% (₹10–12L), 20% (₹12–15L), 30% (>₹15L)
In-Hand:
CTC - Bonus - PF (Employee) - PT - Income Tax
Our calculator automates this for you!
Understanding Your Results
Your salary breakdown includes:
| Component | Description |
|---|---|
| Monthly In-Hand | Net salary per month (e.g., ₹60,000). |
| Annual In-Hand | Net salary per year (e.g., ₹7,20,000). |
| Total Deductions | Sum of PF, PT, and income tax (e.g., ₹2,80,000). |
Why Use a CTC to In-Hand Calculator?
Plan your finances better:
Know Take-Home
Understand your actual pay.
Budget Smarter
Plan expenses with net salary.
Negotiate Offers
Evaluate job offers accurately.
Key Considerations for In-Hand Salary
Ensure accurate estimates:
Estimates use standard deductions. Actual in-hand may vary due to allowances, exemptions, or company policies.
Bonus is deducted from CTC before calculations, as it’s typically paid separately and taxed differently.
The new regime (2025) is used for simplicity, with no exemptions. Old regime with deductions may yield different results.
Frequently Asked Questions About CTC to In-Hand Salary
Questions about your take-home pay? Here are answers to guide your salary planning:
CTC (Cost to Company) is the total amount an employer spends on an employee in a year, including salary, provident fund, bonuses, and other benefits. In-hand salary is the actual amount you receive in your bank account after deductions like PF, professional tax, and income tax.
This calculator provides a close estimate based on common salary structures and current income tax rules in India. The actual in-hand salary may vary depending on company policies, allowances, bonuses, and tax-saving investments.
Yes, this calculator works for most private and public sector companies in India. However, some organizations may follow custom salary structures, which can slightly affect the final in-hand salary.
The calculator includes standard deductions such as employee provident fund (PF), professional tax based on your state, and income tax calculated using the latest tax slabs. Other personal deductions like EMIs or insurance premiums are not included.
Bonus is usually paid separately and not credited every month. To give a realistic monthly estimate, this calculator deducts the bonus amount from CTC before calculating the regular in-hand salary.
This calculator uses the new income tax regime, which applies standard tax slabs without exemptions. If you follow the old tax regime with deductions like HRA or 80C investments, your actual tax and in-hand salary may differ.
Yes, freshers can use this calculator to understand how much salary they will actually receive after deductions. It is especially helpful for comparing job offers and understanding salary breakup before joining a company.
No. All calculations happen instantly in your browser. Your salary details are not stored, tracked, or shared, ensuring complete privacy.