In-hand Salary Calculator (CTC to Take-home)
Take-home pay = CTC − employer PF − gratuity − employee PF − professional tax − income tax.
This calculator applies the standard Indian salary structure and current tax slabs to estimate your monthly in-hand salary.
How to use the In-hand Salary Calculator
- Enter your annual CTC.
- Set basic salary as % of CTC (commonly 40–50%).
- Pick the tax regime.
- Choose whether PF is capped at the ₹25,000 wage ceiling.
Examples
₹12 LPA CTC, 40% basic, new regime
Input: CTC 12,00,000
Result: ≈ ₹87,000–₹88,000 per month in hand
Frequently asked questions
Why is my in-hand salary lower than CTC/12?
CTC includes employer PF and gratuity, which you don't receive monthly, plus your own PF contribution, professional tax and TDS are deducted from gross salary.
Is PF calculated on full basic?
Statutorily PF is 12% of basic up to a wage ceiling of ₹25,000/month (₹15,000 until 16 September 2026). Many employers contribute on full basic; toggle the cap to match your payslip.
Learn more
Estimates, not tax or legal advice. Results come from the published rules for the cases this calculator covers; your own circumstances can change them.
Last checked 2026-10-29 by the TakeHomeWorld editors · How we calculate and check rates · Runs entirely in your browser; nothing you type is stored.