Calculator
In-hand Salary / CTC 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
- Take-home
- Income tax
- Employee PF
- Employer PF
- Professional tax
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.
What's the difference between CTC and in-hand salary?
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.
How Basic pay affects your take-home
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.
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