Real monthly figure
Variable pay is separated from fixed salary, so your monthly in-hand is what actually lands in your bank each month.
FY 2026-27 · New Labour Code ready
In-Hand Salary Calculator CTC to Take-Home
Turn any CTC into your real monthly take-home pay. This in-hand salary calculator splits your package into basic, HRA, PF, gratuity and tax, and picks the tax regime that leaves more money in your account.
- Monthly & yearly take-home
- PF, gratuity & variable pay
- Old vs new tax regime
- Full salary breakup
Why this calculator
More than a basic take-home salary calculator
Most CTC calculators ignore variable pay, gratuity and your tax regime, so the number they show never matches your payslip. This one models all of it.
Best tax regime, automatically
Tax is worked out under both regimes with HRA and 80C, and the one that leaves you more is applied.
PF your way
Switch between the ₹15,000 wage ceiling, full 12% of basic, or no PF, exactly as companies structure it.
Labour Code slider
Move the basic salary share to see how a 50% wage rule changes PF, gratuity and your take-home.
Payslip-style breakup
Basic, HRA, special allowance, deductions and employer costs, monthly and yearly, ready to copy.
See where CTC goes
A colour bar shows what share of your package is cash, tax, retirement savings and benefits.
How to use
How to calculate in-hand salary from CTC
Keep your offer letter open. It takes about 30 seconds.
- 1
Enter your annual CTC
Type the total cost to company from your offer letter. Lakh and crore hints confirm the amount.
- 2
Set basic pay and variable pay
Use the sliders for basic salary share and bonus. If unsure, keep basic at 50% and variable at 0%.
- 3
Choose PF and gratuity
Most companies cap PF at ₹1,800 a month. Tick gratuity if your offer letter lists it inside CTC.
- 4
Pick a tax regime
Leave it on Best for me, or choose New or Old. Add rent and investments to test the old regime.
- 5
Read your take-home
See monthly and yearly in-hand pay, the full breakup, and copy it to compare offers.
The formula
CTC vs in-hand salary: how the maths works
Your CTC includes money you never see each month. Here is how the calculator gets from package to payslip.
Gross salary
CTC − employer PF − gratuity − insurance
Taxable income
Gross − standard deduction (₹75,000 new, ₹50,000 old), minus HRA and 80C in the old regime.
Yearly in-hand
Gross − employee PF − professional tax − income tax
Monthly in-hand
Fixed part of yearly in-hand divided by 12. Variable pay is paid separately, after its share of tax.
Quick reference
In-hand salary for common CTCs (FY 2026-27)
New tax regime, basic at 50% of CTC, PF capped at ₹1,800 a month, gratuity included, ₹2,500 professional tax and no variable pay.
| Annual CTC | Income tax | Yearly in-hand | Monthly in-hand |
|---|---|---|---|
| ₹6 LPA | ₹0 | ₹5,39,870 | ₹44,989 |
| ₹10 LPA | ₹0 | ₹9,30,250 | ₹77,521 |
| ₹12 LPA | ₹0 | ₹11,25,440 | ₹93,787 |
| ₹15 LPA | ₹88,503 | ₹13,29,722 | ₹1,10,810 |
| ₹20 LPA | ₹1,77,902 | ₹17,28,298 | ₹1,44,025 |
| ₹25 LPA | ₹2,45,252 | ₹21,48,923 | ₹1,79,077 |
A ₹12 LPA package pays zero tax in the new regime because taxable income stays under the ₹12 lakh rebate limit. Use the income tax calculator for a detailed regime comparison.
Benefits
Why know your take-home salary before you sign
- Compare job offers fairly
Two offers with the same CTC can differ by thousands a month once PF, gratuity and bonus are separated.
- Negotiate with the right number
Ask for more fixed pay instead of variable pay when you see how little a bonus adds each month.
- Budget and plan EMIs
Lenders look at net monthly income. Knowing it helps you plan rent, EMIs and SIPs realistically.
- Choose the right tax regime
Declare the regime that maximises take-home to your employer at the start of the year.
FAQ
In-hand salary calculator FAQs
What is the difference between CTC and in-hand salary?
CTC is the total amount your employer spends on you in a year, including employer PF, gratuity, insurance and bonus. In-hand salary is what reaches your bank account after employee PF, professional tax and income tax are deducted.
How do I calculate in-hand salary from CTC?
Subtract employer PF, gratuity and insurance from CTC to get gross salary. Then subtract employee PF, professional tax and income tax. Divide the fixed portion by 12 for your monthly in-hand salary.
What is the in-hand salary for 12 LPA?
With basic at 50% of CTC, PF capped at ₹1,800 a month, gratuity included and the new tax regime, a ₹12 LPA package gives about ₹93,787 a month. Income tax is zero because taxable income stays within the ₹12 lakh rebate limit.
Why is PF deducted twice from my CTC?
Both you and your employer contribute to EPF. The employer's share is already part of CTC and never appears in your payslip, while your own share is deducted from gross salary. Both go into your PF account.
Is gratuity part of CTC?
Many companies include gratuity in CTC at about 4.81% of basic salary. It is not paid monthly. You receive it when you leave after completing the eligible period of service, so it lowers monthly take-home but adds to long-term savings.
How do the new Labour Codes affect take-home pay?
The Labour Codes generally require wages, mainly basic pay, to be at least 50% of total pay. A higher basic raises PF and gratuity, which can slightly reduce monthly take-home while increasing retirement savings. Use the basic salary slider to see the effect.
Which tax regime gives a higher in-hand salary?
For most salaried people the new regime gives higher take-home because of lower rates and the ₹12 lakh rebate. The old regime can win if you pay high rent and claim large deductions. Choose Best for me and the calculator applies the cheaper one.
Does variable pay reduce my monthly salary?
Yes. Variable pay or bonus is part of CTC but paid once or a few times a year, often based on performance. The higher the variable share, the lower your fixed monthly take-home.
Know your real salary before you say yes
Your CTC is a headline. Your in-hand salary is what pays the bills. Run your numbers and compare offers with confidence.
Calculate my take-home payFigures are estimates for planning, rounded to the nearest rupee. Tax rules as per Budget 2026 for FY 2026-27. Check your payslip or HR for exact numbers.