CTC to In-Hand Salary Calculator

FY 2026-27 · Enter your CTC to see monthly take-home, PF, gratuity and tax under old & new regime.

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Covers annual bonus, employer NPS, insurance, LTA etc. — CTC components not paid out monthly. Adjust if your offer letter states an exact figure.
Monthly In-Hand Salary
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Monthly Breakdown

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Estimates for FY 2026-27 based on standard CTC structuring and slab rates. Old-regime HRA exemption assumes rent paid is at least equal to HRA received. Professional Tax shown as a flat ₹200/month where applicable — some states use slab-based PT. Actual in-hand salary depends on your employer's exact CTC structure and payslip. Verify with your HR / Form 16.

Frequently Asked Questions

What is the difference between CTC and in-hand salary?

CTC (Cost to Company) is the total amount your employer spends on you annually, including Basic, HRA, employer's PF contribution, gratuity provision and bonus. In-hand salary is what actually lands in your bank account every month, after deducting employee PF, professional tax and income tax from your gross salary.

Why is my in-hand salary lower than CTC divided by 12?

Because CTC includes components you never receive as monthly cash: the employer's PF contribution, gratuity provision, and often a bonus or variable pay component. Your in-hand salary is calculated only from the monthly gross salary, after further deducting employee PF, professional tax and TDS on income tax.

Should I choose the old or new tax regime?

It depends on how many deductions you claim. The new regime has lower slab rates and a higher tax rebate threshold (up to ₹12L taxable income) but disallows most exemptions like 80C and HRA. The old regime allows 80C (up to ₹1.5L), HRA exemption and other deductions but has higher slab rates. If your 80C and HRA claims are large, the old regime often works out cheaper — this calculator compares both for your exact numbers.