CTC to In-Hand Salary Calculator (India, FY 2026-27)
Enter your CTC and instantly see your real monthly take-home salary after income tax, PF and professional tax — for both new and old tax regimes.
Monthly In-Hand Salary
₹90,200
₹10,82,400 per year
Assumptions: basic = 40% of CTC, employer PF inside CTC, standard deduction ₹75,000, professional tax ₹2,400/yr. Estimates only — actual structure varies by employer.
How CTC becomes in-hand salary
Your CTC is not your salary — it is everything your employer spends on you. Roughly, employer PF and gratuity are removed first to get your gross salary. From gross, your own PF contribution, professional tax and income tax are deducted. What remains, divided by 12, is your monthly in-hand.
Worked example: ₹12 lakh CTC
On a ₹12,00,000 CTC with basic at 40% (₹4,80,000): employer PF of ₹57,600 sits inside CTC, leaving gross of ₹11,42,400. In the new regime, after the ₹75,000 standard deduction, taxable income is ₹10,67,400 — which falls under the ₹12 lakh rebate limit, so income tax is zero. Deducting employee PF (₹57,600) and professional tax (₹2,400), the in-hand comes to roughly ₹90,200 per month.
Frequently Asked Questions
What is the difference between CTC and in-hand salary?
CTC (Cost to Company) is everything your employer spends on you — including employer PF, gratuity and benefits. In-hand salary is what actually hits your bank account every month after PF, professional tax and income tax are deducted.
Why is my in-hand salary so much lower than my CTC?
Because CTC includes components you never receive directly: employer PF contribution, gratuity, insurance premiums, and sometimes variable pay. Then income tax, your own PF contribution and professional tax are deducted from the rest.
Which is better in FY 2026-27 — old or new tax regime?
For most salaried people without large deductions (home loan, 80C investments, HRA), the new regime gives a higher in-hand salary, especially with zero tax up to ₹12 lakh taxable income. If you claim ₹3.5 lakh+ in deductions, compare both — this calculator lets you switch instantly.
Is income up to ₹12 lakh really tax-free in the new regime?
Yes — under Section 87A rebate, taxable income up to ₹12 lakh attracts zero tax in the new regime. With the ₹75,000 standard deduction, a salary of roughly ₹12.75 lakh can result in zero income tax.
Does this calculator account for HRA and 80C?
This version uses standard assumptions (basic = 40% of CTC, standard deduction, PF, professional tax) to give a fast accurate estimate. HRA exemption and 80C apply only in the old regime — a detailed version is coming soon.