In-hand salary calculator — CTC to monthly take-home

Enter your CTC and see what actually lands in your account each month under the FY 2026-27 new tax regime — PF, professional tax and income tax all accounted for. Free, instant, nothing uploaded.

Annual CTC (₹)

Provident fund

Professional tax (₹/yr)

Monthly in-hand salary

—

— per year

Gross salary—

Your PF—

Prof. tax—

Income tax—

Effective income tax: —

Employee name (for the PDF)

Assumptions (edit them in the calculator): basic salary = 50% of CTC (the Labour Codes wage floor most structures now follow); employer PF (12% of basic) is part of CTC and the employee contributes the same; professional tax ₹2,400/year (₹200/month — varies by state, and a few states levy none); tax per the FY 2026-27 new regime with the ₹75,000 standard deduction. Gratuity, insurance premiums and variable pay are not modelled — if your CTC includes a large bonus, enter only the fixed portion for a realistic monthly figure. Surcharge applies above ₹50 lakh taxable income (marginal relief on surcharge not modelled).

Ready reckoner: ₹5 LPA to ₹50 LPA

CTC	Monthly in-hand	Annual income tax	Take-home % of CTC
₹5 LPA	₹36,467	₹0	88%
₹6 LPA	₹43,800	₹0	88%
₹7 LPA	₹51,133	₹0	88%
₹8 LPA	₹58,467	₹0	88%
₹10 LPA	₹73,133	₹0	88%
₹12 LPA	₹87,800	₹0	88%
₹14 LPA	₹98,913	₹42,640	85%
₹15 LPA	₹1,02,845	₹83,460	82%
₹16 LPA	₹1,08,956	₹98,124	82%
₹18 LPA	₹1,21,105	₹1,28,336	81%
₹20 LPA	₹1,32,513	₹1,67,440	80%
₹25 LPA	₹1,59,842	₹2,79,500	77%
₹30 LPA	₹1,84,830	₹4,19,640	74%
₹40 LPA	₹2,33,723	₹7,12,920	70%
₹50 LPA	₹2,82,617	₹10,06,200	68%

Each row links to a full breakdown — where every rupee between your CTC and your bank credit goes, plus the tax math for that salary.

FAQ

How is in-hand salary calculated from CTC?

CTC minus the employer's PF contribution gives gross salary; subtract your own PF, professional tax and income tax to get the amount credited monthly. CTC components like gratuity, insurance and variable pay inflate CTC without reaching your monthly account.

What are the FY 2026-27 new regime tax slabs?

Nil to ₹4 lakh, 5% to ₹8 lakh, 10% to ₹12 lakh, 15% to ₹16 lakh, 20% to ₹20 lakh, 25% to ₹24 lakh and 30% above, on income after the ₹75,000 standard deduction. The Section 87A rebate makes tax nil when taxable income is within ₹12 lakh — so salaried income up to ₹12.75 lakh is tax-free. Budget 2026 left these unchanged.

Does this include the old regime?

No — the calculator models the new regime, which is the default and best for most people without large deductions. If you claim high HRA, 80C and home-loan interest, compare the old regime separately before choosing.

The maths behind this calculator is open source and tested — try it in the interactive reference, where the edge cases most calculators get wrong are worked through with real numbers, or read the source on GitHub.

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