Turn an annual CTC into the monthly salary that actually reaches your bank account. Accounts for employer & employee PF, gratuity, and professional tax — the gaps that make in-hand lower than expected.
The CTC in an offer letter is not what lands in your account. Employer PF, gratuity, and your own PF, professional tax, and income tax all sit between the headline number and your monthly take-home.
This calculator estimates in-hand pay from CTC using common structuring — basic at 50% of CTC, PF on a ₹15,000 wage ceiling, professional tax, and the new tax regime with its ₹75,000 standard deduction. Your actual payslip depends on your company's exact structure and your state.
Under Advanced options, override the basic-salary percentage (real CTC structures vary from about 40% to 60%) and enter any 80C/80D/home-loan-interest/NPS/HRA deductions to see your old-regime in-hand pay alongside the new-regime figure.
On a ₹9,00,000 CTC, employer PF and gratuity come out first to reach gross, then your PF, professional tax, and income tax. Because taxable income stays under the ₹12 lakh rebate threshold, income tax is nil — so in-hand is higher than many expect.
CTC includes costs the company bears but you never see in cash — employer PF, gratuity, sometimes insurance. Subtract those, then your own PF, professional tax, and income tax, and the take-home is typically 70–85% of CTC.
The new regime for FY 2025-26, with a ₹75,000 standard deduction and the Section 87A rebate, drives the main in-hand figure. Enter your 80C/80D/home-loan-interest/NPS/HRA deductions under Advanced options and the calculator also shows your old-regime in-hand pay, so you can compare directly rather than guess.
No — it's the most common structure, but real CTC breakdowns range roughly 40–60% basic depending on the company and level. Override it under Advanced options if you know your actual basic percentage; PF, gratuity and take-home all scale with it.
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