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Akshar tools

इन-हैंड सैलरी

CTC to in-hand salary calculator

An offer says ₹12 LPA. Here's what actually lands in your account each month.

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₹
% of CTC

In-hand per month

₹93,795

CTC
₹12,00,000
− Employer PF
−₹21,600
− Gratuity
−₹28,860
= Gross salary
₹11,49,540
− Your PF
−₹21,600
− Professional tax
−₹2,400
− Income tax
−₹0
= In-hand (yearly)
₹11,25,540

Old-regime figures here claim only your PF under 80C. Bonuses, variable pay and reimbursements change the real number, so treat this as an estimate for FY 2026-27.

How to use it

  1. 01Enter your yearly CTC.
  2. 02Set basic pay as a percentage of CTC (usually 40–50%).
  3. 03Choose the tax regime and see the monthly in-hand.
Example

₹12 LPA · basic 50% · new regime

≈ ₹93,800 per month in hand

About this tool

CTC (cost to company) includes money you never receive monthly: the employer's PF contribution and gratuity. From what remains (gross salary), your own PF, professional tax and income tax are deducted. What's left is your in-hand salary.

PF is 12% of basic pay, and many companies cap it at the ₹15,000/month wage ceiling (₹1,800/month). Gratuity is 4.81% of basic. Professional tax is about ₹200 a month in most states that levy it.

Bonuses, variable pay and reimbursements change the real number, so treat this as an estimate.

Why in-hand is lower than CTC divided by 12

CTC includes amounts that never reach your account each month, such as your employer's PF contribution and gratuity. From the remaining gross pay, your own PF, professional tax and income tax are deducted. The calculator shows each step so you can see where the difference goes, and lets you choose between the new and old tax regimes.

Basic pay as a share of CTC matters because PF and gratuity are calculated on it, so ask your employer for the actual split. Bonuses, variable pay and reimbursements change the real number, so treat the result as an estimate and compare it with your offer letter and first payslip.

Common uses

  • Estimating monthly in-hand pay from an offer letter
  • Comparing two job offers on take-home pay
  • Seeing the effect of the basic pay percentage
  • Choosing between the old and new tax regime

हिंदी में मदद

CTC में कंपनी का PF और ग्रेच्युटी भी शामिल होते हैं, जो हर महीने हाथ में नहीं आते। यह कैलकुलेटर PF, प्रोफ़ेशनल टैक्स और इनकम टैक्स घटाकर बताता है कि आपकी असली मासिक सैलरी कितनी होगी।

Questions

Why is in-hand so much lower than CTC ÷ 12?

Because CTC includes the employer's PF, gratuity and sometimes insurance and bonuses, and then your PF and tax are deducted from what remains.

Which tax regime should I pick?

The new regime is better for most people with few deductions. The old regime can win if you have large HRA, 80C and home-loan interest claims. Use the income tax calculator to compare.

What basic percentage should I use?

Check your offer letter. Most companies set basic at 40–50% of CTC.