In-Hand Salary Calculator — CTC to Take-Home
Calculate your exact monthly in-hand salary from your CTC. Compare Old vs New tax regime and see your complete salary breakdown for FY 2026-27.
• Based on standard salary structure (40% basic)
• Updated for FY 2026-27 tax slabs
• Includes PF & professional tax deductions
Your Salary Breakdown
Enter your CTC and click Calculate
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How is In-Hand Salary Calculated from CTC?
CTC (Cost to Company) is the total amount a company spends on an employee annually. Your in-hand salary is significantly lower because it excludes employer PF contributions and deducts employee PF, professional tax, and income tax. Understanding this breakdown helps you negotiate better and plan your finances accurately.
Old vs New Tax Regime — Which is Better in 2026?
| Income Slab | Old Regime Rate | New Regime Rate |
|---|---|---|
| Up to ₹2.5L (Old) / ₹4L (New) | 0% | 0% |
| ₹2.5L–₹5L / ₹4L–₹8L | 5% | 5% |
| ₹5L–₹10L / ₹8L–₹12L | 20% | 10% |
| Above ₹10L / ₹12L–₹16L | 30% | 15% |
| Above ₹16L | 30% | 20-30% |
| Standard Deduction | ₹50,000 | ₹75,000 |
| Rebate (87A) | Up to ₹5L income | Up to ₹12L income |
The new regime is beneficial for most salaried employees with CTC below ₹15L, especially those who don't have significant deductions beyond 80C. Use our calculator to compare both regimes for your specific income.
Frequently Asked Questions
Why is my in-hand salary much less than my CTC?
CTC includes employer PF (12% of basic), gratuity provisions, and other benefits that don't come to you as cash. Your gross salary is typically 85-90% of CTC, and after PF, professional tax and income tax deductions, your in-hand is usually 65-75% of CTC depending on your income slab.
Should I choose the Old or New tax regime?
For incomes below ₹7-8L: New regime is almost always better (zero tax up to ₹12L with 87A rebate). For incomes above ₹15L: Compare both — if you claim significant HRA, 80C, 80D deductions, old regime may save more. Our calculator shows you the exact difference for your income.
Is EPF included in the in-hand salary calculation?
Employee PF contribution (12% of basic, capped at ₹1,800/month) is deducted from your gross salary. It doesn't come as cash but goes into your PF account. Employer PF is part of your CTC but never appears in your salary slip as a credit — it's a cost to the company above your gross salary.
What is professional tax and does everyone pay it?
Professional tax is a state-level tax deducted from salaries. It varies by state — typically ₹200/month (₹2,400/year). States like Gujarat, Andhra Pradesh, Telangana, Kerala, and West Bengal levy it. States like Delhi, Haryana, and Rajasthan do not have professional tax. It's deductible from your income for tax purposes.