India CTC to In-Hand Salary Calculator
This free CTC to in-hand salary calculator turns any Indian CTC into a realistic monthly take-home figure — PF, professional tax and income tax all accounted for — and shows instantly whether the old or new tax regime keeps more of your money. Slabs are current for FY 2026-27 (AY 2027-28).
Why your in-hand is lower than your CTC
CTC bundles things you never see in your bank account: the employer’s PF contribution, gratuity, and often a variable component paid only once a year. Your real monthly figure comes from the fixed gross (basic + HRA + special allowance) minus your own PF, professional tax and income tax. This calculator makes every one of those steps visible so you can sanity-check an offer.
Old vs new tax regime, decided for you
For FY 2026-27 the new regime gives a ₹75,000 standard deduction and a rebate that makes income up to ₹12 lakh effectively tax-free, but drops most exemptions. The old regime keeps HRA, 80C, 80D and NPS. The calculator computes both from your inputs and highlights whichever leaves you with more — for most salaries without large deductions, the new regime now wins.
How to use this tool
- Enter your annual CTC and adjust the basic and HRA split if you know it.
- Choose how PF is deducted (12% of basic, or capped).
- Open the old-regime section to add rent, 80C, 80D and NPS.
- Read your monthly in-hand and the old-vs-new comparison.
Frequently asked questions
Which financial year does this use?
It uses FY 2026-27 (AY 2027-28) slabs, including the ₹75,000 new-regime standard deduction and the ₹60,000 Section 87A rebate.
Is the old or new regime better for me?
If you have large deductions (HRA, home loan, full 80C and NPS) the old regime can win; otherwise the new regime usually gives more in-hand. The tool computes both and tells you which is higher.
Is this exact?
It is a close estimate. Your actual take-home depends on your company’s exact CTC structure and your state’s professional tax. It is not tax advice — confirm with a professional before decisions.
Does it include the employer PF?
Yes — it shows employer PF as part of CTC that is not paid to you, and deducts your own PF from gross, so the in-hand figure is realistic.