Salary Calculator - CTC to In-Hand
Calculate your take-home salary from CTC
Calculate your monthly in-hand salary from CTC. Includes PF, ESI, Professional Tax, and Income Tax deductions. Updated for FY 2025-26.
Enter Your Salary Details
Computation of Income (Part B - Form 16)
FY 2025-26 | New Tax Regime
Recommendation: Select Old Tax Regime
You save ₹0 with the Old Tax Regime.(New Tax: ₹0 | Old Tax: ₹0)
Monthly In-Hand Salary
Annual Take-Home: ₹8,05,477
Computation of Total Income
Tax Regime Note:
You have selected New Tax Regime. HRA and Chapter VI-A deductions are NOT available in this regime.
About Salary Calculator - CTC to In-Hand
Our Salary Calculator helps you understand your actual take-home salary from CTC. It accounts for all major deductions including PF, ESI, Professional Tax, and Income Tax to give you an accurate picture of your monthly in-hand salary.
Key Features
- Calculate in-hand salary from annual or monthly CTC
- State-wise Professional Tax calculation
- Compare Old vs New Tax Regime impact on salary
- Include variable pay and bonus in calculations
- Detailed salary breakup with all components
- Updated for FY 2025-26 tax rules
Salary Components Explained
Basic Salary: Typically 40-50% of CTC, forms the base for PF, gratuity, and HRA calculations.
HRA: House Rent Allowance, usually 40-50% of Basic. Tax exemption available under Section 10(13A) in old regime.
Special Allowance: Remaining amount after Basic, HRA, and other fixed components. Fully taxable.
Frequently Asked Questions
What is CTC and how is it different from in-hand salary?
CTC (Cost to Company) is the total expense a company incurs for an employee, including salary, allowances, and employer contributions like PF and gratuity. In-hand salary is what you actually receive after all deductions like employee PF, professional tax, and income tax.
How is PF (Provident Fund) calculated from salary?
PF is calculated as 12% of Basic Salary from both employer and employee. For Basic Salary up to Rs 15,000, PF contribution is mandatory. The maximum PF contribution is capped at Rs 1,800 per month (12% of Rs 15,000) for employer's contribution to pension fund.
What is Professional Tax and which states have it?
Professional Tax is a state-level tax on income from profession, trade, or employment. Maximum PT is Rs 2,500 per year. States like Maharashtra, Karnataka, West Bengal, and Telangana levy professional tax, while Tamil Nadu and some other states don't have it.
Which tax regime is better - Old or New?
For employees with high deductions (80C, HRA, home loan), the old regime may be better. For those with minimal deductions, the new regime with lower tax rates and higher standard deduction (Rs 75,000) is usually beneficial. Use our calculator to compare both.
Is Gratuity part of CTC?
Yes, many companies include gratuity as part of CTC. Gratuity is calculated as 15/26 × Last Drawn Salary × Years of Service and is payable after 5 years of continuous service. It's typically 4.81% of annual basic salary.