CTC to In-Hand Salary Calculator
Estimate your monthly and annual in-hand salary from your CTC (Cost to Company), after typical PF, professional tax, and income tax deductions.
- Free to use
- Accurate results
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- Works on all devices
Your result
₹96,200
In-hand salary (monthly)
AI explanation
Formula
In-hand salary = CTC − employee PF contribution − professional tax − income tax (employer PF is part of CTC but not paid to the employee)Worked example
₹12L CTC, 40% basic, new regime
| Field | Value |
|---|---|
| Annual CTC | 1200000 |
| Basic + DA (% of CTC) | 40 |
| Tax regime | new |
| Professional tax (annual) | 2400 |
| In-hand salary (monthly) | 96200 |
| In-hand salary (annual) | 1154400 |
| Employee PF contribution (annual) | 21600 |
| Income tax (annual) | 0 |
Assumptions
- Assumes a standard salary structure with employee PF at 12% of basic pay — actual company structures vary and may include other components (bonus, gratuity provisioning, etc.).
- Uses the same income tax slabs as the Income Tax Calculator.
- Informational only.
Frequently asked questions
Why is my in-hand salary less than my CTC divided by 12?
CTC includes components you don't receive as cash — like the employer's PF contribution — plus your own PF contribution, professional tax, and income tax are all deducted before you receive your in-hand pay.
Does the tax regime I choose affect my in-hand salary?
Yes — the new and old tax regimes have different slab structures and deduction rules, which changes your income tax and therefore your in-hand salary.
Why does a higher basic percentage reduce in-hand salary?
A higher basic pay increases your mandatory 12% PF contribution (calculated on basic), which is deducted from your salary before you receive it, even though it benefits your long-term retirement savings.
Related calculators
Sources
- Income Tax Slabs — Income Tax Department, Government of India. Effective 01-04-2026, reviewed 13-09-2026.
This calculator provides a general estimate only and does not constitute financial or tax advice. Actual deductions depend on your specific employer's salary structure.
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