In-hand salary calculator

Your CTC is what your employer spends on you, not what reaches your bank. Enter your CTC to estimate the monthly salary you will actually receive.

CTC (cost to company, a year) (₹)

Basic pay as % of CTC (%)

Under the labour codes, basic and DA are usually at least 50% of pay.

PF worked out on

Professional tax (a year) (₹)

Up to ₹2,500 in most states; nil in some.

Estimated in-hand salary a month

₹96,192

Employer PF (inside CTC)₹21,600

Your PF deduction₹21,600

Income tax (new regime)₹0

Professional tax₹2,500

In-hand a year₹11,54,300 (11.54 lakh)

Worked example

A CTC of ₹12 lakh with basic pay at 50% and PF on a ₹15,000 wage: employer PF ₹21,600, gross salary ₹11.78 lakh, your PF ₹21,600, professional tax ₹2,500 and no income tax (taxable income stays under ₹12 lakh). In-hand pay is about ₹96,190 a month.

An estimate. Your payslip may include other parts such as meal cards, insurance or variable pay.

Questions people ask

Why is in-hand pay lower than CTC?

CTC includes the employer's PF contribution and sometimes gratuity, insurance and bonuses. From the rest, your own PF, professional tax and income tax are deducted before salary is paid.

How is PF worked out?

Both you and your employer pay 12% of basic pay plus DA. Many employers cap this at a wage of ₹15,000 a month (₹1,800 each), which is the legal minimum; others use the full basic pay.

What is professional tax?

A state tax on employment, deducted by the employer. Most states that levy it charge up to ₹2,500 a year; some states do not levy it at all.

Which tax regime does this use?

The new regime, the default for FY 2026-27. Use the income tax calculator to compare the old regime if you have large deductions.

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Results are estimates for information only, not financial or tax advice. Rates, rules and limits change, so check with your bank, employer or a qualified adviser before you decide.