- Home
- Calculators
- Salary Calculator (CTC to In-Hand)
CTC to In-Hand Salary Calculator
Turn a CTC offer into monthly take-home pay — after employer and employee PF, gratuity, professional tax and income tax (new regime).
- Instant results
- No signup
- Remembers your inputs
- Rates checked Oct 2026
How the salary calculator (ctc to in-hand) works
Gross = CTC − employer PF − gratuity. Take-home = Gross − employee PF − professional tax − income tax (new regime with ₹75,000 standard deduction).
How to use it
- Move the sliders or type exact figures — results update as you go.
- Read the highlighted result first, then the breakdown and chart.
- Open the year-by-year table to plan ahead, or copy the result into your notes.
Frequently asked questions
Why is in-hand lower than CTC ÷ 12?
CTC includes employer PF and gratuity, which you don't get monthly, and your pay is reduced by employee PF, professional tax and TDS.
Is professional tax the same everywhere?
No. It's a state tax with different slabs; ₹2,500 a year is the maximum. Some states don't levy it.
Results are estimates for planning, not financial, tax or investment advice. Rates and rules change — confirm with your bank, the scheme's official notice or a CA. Last reviewed 13 October 2026.
Related calculators
Income Tax Calculator
Compare your tax under the new and old regimes for FY 2026-27. Budget 2026 kept the slabs…
CalculateHRA Calculator
Work out how much of your HRA is tax-exempt under the old regime — the lowest of three am…
CalculateEPF Calculator
Estimate your EPF corpus at retirement: 12% from you plus 3.67% from your employer every …
CalculateGratuity Calculator
Estimate your gratuity from your last drawn basic + DA and years of service — for employe…
Calculate