Salary Calculator (CTC to In-hand)
Convert CTC to monthly take-home salary with PF, gratuity, professional tax and income tax for FY 2025-26, in the new or old regime.
- Free, no limits
- Runs in your browser
- No sign-up
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How to use the Salary Calculator (CTC to In-hand)
- Enter your annual CTC and basic salary percentage.
- Tick whether PF is capped and gratuity is part of CTC.
- Pick the tax regime to see monthly in-hand pay.
Frequently asked questions
Why is in-hand salary lower than CTC?
CTC includes the employer's PF and gratuity, which you don't receive monthly, and your own PF, professional tax and income tax are deducted from gross salary.
Which tax slabs are used?
FY 2025-26 (AY 2026-27): new regime with ₹75,000 standard deduction and the 87A rebate up to ₹12 lakh taxable; old regime with ₹50,000 standard deduction.
Is it exact?
It is an estimate for planning. Actual figures depend on the bank, fund house or employer, and on rules that can change; check before you decide.
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