All CalculatorsIn-Hand Salary Calculator
Convert CTC to monthly take-home. Accounts for PF, professional tax, TDS, and HRA for all Indian cities.
₹15.00 L per year
Monthly In-Hand Salary
₹1,02,599
After PF, Tax & Professional Tax
Monthly Breakdown
Annual CTC Split
New Regime saves you more
You save ₹54,573/year by choosing the New Tax Regime.
Monthly Salary Breakdown
Monthly in-hand = (CTC/12) − Employer PF/12 − Gratuity component/12 − Employee PF (12% of basic/12) − Professional Tax/12 − TDS. Professional tax in Bangalore/Mumbai/Pune is ₹200/month; Delhi/Gujarat/Rajasthan: ₹0.
CTC includes Employer PF + Gratuity which you never see in your payslip. Gross salary = CTC minus those. Net (in-hand) = Gross minus Employee PF, Professional Tax, and TDS. Most people lose 15–30% of CTC to deductions.
Higher basic % (e.g. 50% vs 40%) means higher PF deduction (12% of higher basic) and more HRA exemption if you pay rent. Lower basic % means higher take-home now but lower PF corpus and gratuity. Most Indian companies set basic at 40–50% of CTC.
Choosing the wrong tax regime can cost ₹10,000–₹50,000/year. New regime has simpler slabs and no investment requirements. Old regime rewards those who invest in 80C instruments (PPF, ELSS, insurance) and pay rent (HRA exemption).
In-hand salary = Gross salary − Employee PF (12% of basic) − Professional Tax − Income Tax (TDS). Gross salary = CTC minus employer PF (12% of basic) and gratuity (4.81% of basic). The remaining amount is your monthly take-home.
CTC (Cost to Company) is the total expense a company incurs for an employee, including employer PF contribution, gratuity, and allowances. Take-home is what is actually credited to your bank account after all deductions. The difference is typically 20–30% of CTC for most Indian salaries.
Karnataka (Bangalore), Maharashtra (Mumbai, Pune), Tamil Nadu (Chennai), West Bengal (Kolkata), Andhra Pradesh, and Telangana (Hyderabad) levy professional tax of ₹2,400–₹2,496/year. Delhi, Gujarat, Rajasthan, Uttar Pradesh, and most north Indian states have zero professional tax.
For FY 2025-26, the New Regime is better if your total deductions (80C + 80D + HRA + others) are less than ₹3.75 lakh. If you have a home loan, invest ₹1.5L under 80C, and pay rent — the Old Regime may save more. Use this calculator to compare both for your specific numbers.
CTC structuring varies by employer. Companies differ in how much of the CTC is Basic (more PF, more tax) vs Special Allowance (no PF, but taxable). Higher basic % → lower take-home due to higher PF deduction, but better retirement corpus.
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All calculations are based on Income Tax Act provisions for FY 2025-26. Figures are estimates — consult a Chartered Accountant for personalised tax advice.