CTC To In Hand Salary Calculator India
Convert CTC to monthly take-home salary. Includes PF, income tax (old/new regime), professional tax. Full salary breakup.
Disclaimer: Results are estimates for informational purposes only. Market conditions and interest rates vary. Consult a SEBI-registered financial advisor before making investment decisions.
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About CTC to In-Hand Salary Calculator India 2026
Calculate exact monthly in-hand salary from CTC. Accounts for Employee PF (12%), income tax TDS under old/new regime, professional tax, and standard deduction. Shows complete monthly salary breakup.
CTC (Cost to Company) is the total amount a company spends on an employee annually, but it's rarely what lands in your bank account — the gap comes from Provident Fund contributions (12% of basic pay, split between employee and employer), professional tax, income tax TDS, and sometimes gratuity provisioning that's technically part of CTC but not paid monthly. This mismatch between the CTC figure in an offer letter and actual monthly in-hand salary is one of the most common sources of confusion when comparing job offers in India. This calculator breaks down each deduction individually — EPF, TDS under your chosen tax regime, and professional tax by state — so you can see exactly how CTC converts to what actually hits your account each month.
How to use
- Enter your figures in the input fields — the result recalculates instantly as you type, no submit button needed.
- Double-check which financial year or rate the tool is using, shown near the result, since tax and interest rates change periodically.
- Use the "Next step" workflow links below to move into a related calculation, like comparing this result against another instrument.
- Share your result via WhatsApp or Twitter using the buttons above if you need to send it to someone else.
- Everything is calculated locally in your browser — your financial figures are never sent to any server.
Tool details
⚡ Next step — complete your workflow
Expert note — India 2026
Rule of thumb: EMI should not exceed 40% of monthly take-home. Banks reject applications where EMI-to-income ratio exceeds 50-55%.
Frequently asked questions
Difference between CTC and in-hand salary?
CTC includes employer PF (12%), gratuity (~4.8%), and benefits. In-hand = Gross Salary − Employee PF − Income Tax TDS − Professional Tax.
What % of CTC is take-home?
Typically 65-75% of CTC. ₹12 LPA CTC → ₹65,000-₹75,000/month take-home depending on tax regime and deductions.
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