worldofcalcsIn-Hand Salary Calculator
Enter your CTC and salary structure to see what reaches your bank account each month, under the new and the old tax regime.
Old regime deductions (optional)
Used only for the old regime. Your PF already counts towards 80C.
The new regime leaves you ₹1,11,725 more a year.
| Per month | New regime | Old regime |
|---|---|---|
| Gross salary (excluding variable pay) | ₹91,595 | ₹91,595 |
| Your PF contribution | -₹6,000 | -₹6,000 |
| Professional tax | -₹208 | -₹208 |
| Income tax (TDS) | ₹0 | -₹9,310 |
| In-hand salary | ₹85,387 | ₹76,076 |
| Take-home in a year | ₹10,24,640 | ₹9,12,915 |
| Income tax for the year | ₹0 | ₹1,11,725 |
Your CTC breakup
| Component | A year | A month |
|---|---|---|
| Basic + DA | ₹6,00,000 | ₹50,000 |
| HRA | ₹2,40,000 | ₹20,000 |
| Special allowance | ₹2,59,140 | ₹21,595 |
| Employer PF | ₹72,000 | ₹6,000 |
| Gratuity | ₹28,860 | ₹2,405 |
| CTC | ₹12,00,000 | ₹1,00,000 |
Employer PF, employer NPS and gratuity are part of your CTC but aren't paid to you each month: PF and NPS go into your retirement accounts, and gratuity is paid when you leave after five years.
Next: Income Tax · HRA · EPF Calculator
In-hand salary by CTC
CTC, gross salary and in-hand salary
Your CTC (cost to company) is everything your employer spends on you in a year. Part of it never reaches your bank account each month: the employer's PF contribution, gratuity and any employer NPS go into retirement savings, and variable pay or bonus is paid separately. What is left is your gross salary. From that, your own PF contribution, professional tax and income tax (TDS) are deducted, and the rest is your in-hand salary.
How in-hand salary is calculated
Gross salary = CTC − Employer PF − Gratuity − Employer NPS. PF is 12% of basic (or of basic up to ₹25,000 a month if your employer caps it), and gratuity is 4.81% of basic. Income tax is worked out on the gross salary under each regime: the new regime gives a ₹75,000 standard deduction and no tax up to ₹12 lakh of taxable income; the old regime gives a ₹50,000 standard deduction plus 80C, 80D, HRA and professional tax.
Things that change your in-hand pay
- The EPF wage ceiling rose from ₹15,000 to ₹25,000 a month on 17 September 2026. Employers who cap PF now deduct up to ₹3,000 a month from you (and add ₹3,000); others deduct 12% of your full basic.
- Under the labour codes, basic pay plus DA must be at least half of your pay. A higher basic means more PF and gratuity, so in-hand pay can fall slightly even when the CTC stays the same.
- Employer NPS contributions of up to 14% of basic are tax-free in the new regime, so restructuring part of the CTC into NPS can cut your tax.
- A bonus can push your income over ₹12 lakh and make tax due on the whole amount, so the bonus after tax can be much smaller than you expect.
- Professional tax is a state tax of up to ₹2,500 a year. Delhi, Haryana, Uttar Pradesh and Rajasthan don't levy it.
- Gratuity is usually paid only if you stay five years or more, so many offer letters count it in the CTC even though you may never receive it.
- Your employer deducts TDS based on the regime you declare at the start of the year, but you can still pick the other regime when you file your return.
Worked example: ₹12 lakh CTC
- CTC of ₹12,00,000 with basic at 50% (₹6,00,000) and HRA at 40% of basic (₹2,40,000)
- Employer PF is 12% of basic, ₹72,000, and gratuity is 4.81% of basic, ₹28,860. Taking both out of the CTC leaves a gross salary of ₹10,99,140
- Your own PF contribution is also ₹72,000, and professional tax is ₹2,500
- New regime: taxable income is ₹10,24,140 after the ₹75,000 standard deduction. That is under ₹12,00,000, so the rebate brings the tax to zero
- In-hand salary: (₹10,99,140 − ₹72,000 − ₹2,500) ÷ 12 = ₹85,387 a month
- Old regime, with only your PF under 80C: tax of ₹1,11,725 a year, leaving ₹76,076 a month
In-hand salary by CTC
Basic at 50% of CTC, HRA at 40% of basic, PF on the full basic, gratuity in the CTC, ₹2,500 professional tax and no variable pay. The old regime counts only your PF under 80C.
| CTC a year | In-hand a month (new regime) | In-hand a month (old regime) | Income tax a year (new regime) |
|---|---|---|---|
| ₹6,00,000 | ₹42,589 | ₹42,589 | ₹0 |
| ₹10,00,000 | ₹71,121 | ₹64,778 | ₹0 |
| ₹12,00,000 | ₹85,387 | ₹76,076 | ₹0 |
| ₹15,00,000 | ₹1,00,299 | ₹91,018 | ₹77,832 |
| ₹20,00,000 | ₹1,29,330 | ₹1,15,556 | ₹1,57,435 |
| ₹30,00,000 | ₹1,80,685 | ₹1,63,850 | ₹3,97,129 |
| ₹50,00,000 | ₹2,75,714 | ₹2,58,879 | ₹9,68,682 |
Your offer letter's structure changes these figures; enter it above for your own numbers.