Calculator
See exactly where your CTC goes — PF, professional tax, income tax — and what actually lands in your account each month.
New regime gives you a higher monthly take-home: ₹90,400
Monthly In-hand (New Regime)
₹90,400
Annual tax: ₹0
Monthly In-hand (Old Regime)
₹78,248
Annual tax: ₹1,45,829
Annual CTC
₹12,00,000
CTC includes employer PF contribution — money that never reaches your bank account — plus your own PF deduction, professional tax, and income tax, all subtracted before you get paid. Only the remainder is your actual in-hand salary.
The new regime usually wins on a pure CTC-to-in-hand basis since it has no deduction paperwork. The old regime can overtake it once you factor in 80C investments, HRA exemption, and home loan interest — this calculator only compares the no-extra-deduction case; use the Income Tax calculator to compare with your real deductions.
Most Indian employers structure Basic at 35-50% of CTC. A higher Basic means higher PF contributions (which reduces take-home now but builds retirement corpus) and can also increase HRA exemption eligibility.
CTC (Cost to Company) is everything your employer spends on you annually, including money that never reaches your bank account — employer PF contribution, gratuity provision, and insurance premiums. In-hand salary is what's left after your own PF contribution, professional tax, and income tax are deducted from the rest.
A higher Basic percentage raises both employer and employee PF contributions, which reduces immediate take-home but builds a larger retirement corpus. Most employers structure Basic between 35% and 50% of CTC.
Disclaimer:This calculator uses a simplified CTC structure (Basic, PF, professional tax, income tax) for illustration. Actual payslip components — HRA, special allowance, gratuity provision, insurance — vary by employer and don't change the total in-hand estimate meaningfully unless they affect your taxable income directly.
Need more calculators? Browse all calculators →