Salary Calculator — CTC to In-hand

Find your real monthly take-home from an offer letter CTC after PF, gratuity, professional tax and income tax.

Annual CTC

₹

Basic salary as % of CTC

The new labour codes require basic to be at least 50% of wages; 40–50% is common.

PF calculation

Gratuity included in CTC?

Professional tax (per year)

₹

₹2,400–2,500 in most states; zero in states without PT.

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📘 Read the full guide: CTC vs In-hand Salary — Where the Difference Goes →

How to use the Salary Calculator — CTC to In-hand

Enter the annual CTC from your offer letter.
Set basic salary as a percentage of CTC (check your salary structure).
Choose how your employer calculates PF and whether gratuity is inside CTC.
Enter professional tax for your state — the result shows monthly take-home and every deduction.

Formula used

Gross = CTC − Employer PF − Gratuity (4.81% of basic)

Employer PF = Employee PF = 12% × Basic (capped at ₹1,800/month if the wage ceiling applies)

In-hand = Gross − Employee PF − Professional tax − Income tax

Income tax uses the FY 2026-27 new-regime slabs (section 202 of the Income-tax Act, 2025) on Gross − ₹75,000, with the section 156 rebate (old 87A) and 4% cess.

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Salary Calculator — CTC to In-hand — FAQs

Why is in-hand salary lower than CTC?▾

CTC includes employer costs you never receive monthly — employer PF, gratuity provision, insurance — and your own deductions like employee PF, professional tax and income tax come out of gross pay.

What is the ₹15,000 PF wage ceiling?▾

PF is mandatory only on basic wages up to ₹15,000 a month, so many employers cap contributions at ₹1,800 a month each. Some contribute 12% of full basic instead, which lowers in-hand pay but increases retirement savings.

Is 12 lakh CTC tax-free in FY 2026-27?▾

Usually yes under the new regime, because gross salary after PF and gratuity is typically below ₹12.75 lakh, and income up to ₹12 lakh after the ₹75,000 standard deduction attracts no tax due to the section 156 rebate (old 87A). The FY 2026-27 slabs are the same as FY 2025-26.

Is professional tax deductible in the new regime?▾

No. Under the new regime only the standard deduction and a few specific items are allowed; section 202(2) of the Income-tax Act, 2025 excludes the professional tax deduction. It is still deducted from pay but does not reduce taxable income.

How to use the Salary Calculator — CTC to In-hand

Formula used

Salary Calculator — CTC to In-hand — FAQs

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