CTC to in-hand salary calculator

Your CTC is not what lands in your bank account. Enter your CTC to see your monthly in-hand salary after PF, professional tax and income tax, under the new or old tax regime for FY 2026-27.

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Paid separately, usually once a year. Leave 0 if your CTC is all fixed.
Check your offer letter. Most companies use 40% to 50%.
Your employer’s share is part of CTC; your share is deducted from salary.
More options
Usually 4.81% of basic, paid only when you leave after 5 years.
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Group health cover premium, if your company counts it in CTC.
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₹2,400 in Karnataka, ₹2,500 in Maharashtra, 0 in Delhi and some other states.
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PPF, ELSS, life insurance and so on. Your PF already counts; the total is capped at ₹1.5 lakh.
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Health insurance (80D), your own NPS (80CCD(1B)), home loan interest and so on.
How it works: Basic salary is taken as a share of your fixed CTC. Your employer’s PF and gratuity are part of CTC but are not paid to you monthly. From your gross salary we deduct your own PF (12% of basic, or ₹1,800 a month if capped), professional tax and income tax for FY 2026-27. Bonus is shown separately because it is paid once a year.

Also try: Income tax calculator: new vs old regime · Savings calculator · EMI calculator

Estimates for education only, not tax or payroll advice. Salary structures differ by company; your payslip and offer letter are the final word.