In-Hand Salary Calculator · FY 2026-27

CTC → take-home,
to the rupee.

Convert your annual CTC into actual monthly in-hand salary after PF, professional tax, and income tax. Compare old vs new regime side-by-side.

Last updated: FY 2026-27 / AY 2027-28

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₹
%
Typically 40% of CTC (range: 30-50%)
Quick scenarios
Monthly in-hand ₹83,533

CTC vs in-hand

CTC is the total annual amount your employer spends on you - basic, HRA, allowances, employer's PF/gratuity, and bonuses combined.

In-hand salary is what actually credits to your bank each month: CTC minus employee PF, professional tax, and income tax (TDS).

Typical CTC components

  • Basic salary - 30–50% of CTC; drives PF, gratuity, HRA
  • HRA - usually 40–50% of basic
  • Other allowances - special / conveyance / medical / etc.
  • Employer PF - 12% of (capped) basic
  • Gratuity - ~4.81% of basic, payable after 5+ years

How tax is calculated

This calculator applies either the new tax regime (default, lower slabs, no deductions) or the old regime (higher slabs but with 80C/80D, HRA, home loan interest etc.).

Other deductions applied

  • EPF - 12% of basic (capped at ₹15,000/mo if "PF capped" is on)
  • Professional tax - ₹200/mo in most states (₹2,500/yr)
  • Standard deduction - ₹50,000 (old) / ₹75,000 (new)
  • 87A rebate - full tax rebate up to ₹12L (new) / ₹5L (old)
  • Surcharge & cess - applied for high incomes
Common questions

Frequently asked questions

Is my in-hand salary always 70% of CTC?

No - it depends on your basic %, PF cap, regime, and city. Typically in-hand is 65–75% of CTC for salaries in the ₹10–25 L range; lower CTCs see a higher % thanks to the 87A rebate, and higher CTCs see a lower % because of surcharge and cess.

Should I pick old or new tax regime?

The new regime usually wins unless your itemised deductions (80C ₹1.5L + 80D + HRA + home loan interest + LTA) total above ~₹3 lakh. Switch the radio above and watch in-hand change - or use the income tax calculator for a side-by-side comparison.

Why does "Cap PF at ₹15,000/mo" matter?

Statutorily, EPF is calculated only on basic up to ₹15,000/month. Many employers voluntarily contribute PF on full basic - which boosts retirement savings but reduces in-hand. Toggle the cap to see both numbers.

Does this include variable pay and bonuses?

This calculator treats your entered CTC as the fixed annual package. Variable pay and bonuses are taxed at the time of payment; re-run with CTC + expected bonus if you want a post-bonus take-home estimate.

Is the gratuity in CTC actually paid monthly?

No - gratuity is a future contingent benefit paid only after 5+ years of service. It's part of CTC but never appears in your monthly bank statement. We subtract it from "actual cash compensation" when computing in-hand.

Does professional tax apply everywhere?

Most Indian states levy professional tax (₹200/month ≈ ₹2,500/year for typical salaries), but a few - Delhi, UP, Haryana, Rajasthan, Goa among others - don't. We apply ₹2,500/year as a default; adjust mentally if you're in a no-PT state.

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Disclaimer: This calculator estimates in-hand salary using standard PF, professional tax, and income tax rules for FY 2026-27. Actual take-home varies with employer-specific structure, state professional tax, variable pay, leave encashment, reimbursements, and any company-specific deductions. Always cross-check with your salary slip.