Why is this an estimate?

Take-home pay depends on your exact salary structure, state professional tax, and tax declarations. We expose the assumptions so you can tune them, but confirm final figures with your employer.

How is income tax estimated?

Tax is computed on fixed gross after the standard deduction under your chosen regime for FY 2025-26; the old regime counts employee PF under 80C (capped ₹1.5L).

CTC to In-Hand Salary Calculator

Estimate your monthly take-home pay from CTC.

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Annual CTC

₹

Basic salary (% of CTC)

PF and gratuity are computed on basic.

Annual variable / bonus pay

₹

Excluded from fixed monthly in-hand.

Professional tax (per month)

₹

Varies by state; many states charge ₹200/month.

Employer PF (12% of basic) is part of CTCGratuity (4.81% of basic) is part of CTCDeduct employee PF (12% of basic) from salary

Income tax regime

Estimated monthly in-hand

₹85,395

Annual in-hand₹10,24,740

Basic salary (annual)₹6,00,000

Employer PF (in CTC)₹72,000

Gratuity (in CTC)₹28,860

Fixed gross (annual)₹10,99,140

− Employee PF₹72,000

− Professional tax₹2,400

− Income tax (TDS est.)₹0

Assumptions

Employer PF = 12% of basic; gratuity = 4.81% of basic; employee PF = 12% of basic — all toggleable above.
Income tax is an estimate under the chosen regime (FY 2025-26 (AY 2026-27)) on fixed gross with standard deduction; old regime counts employee PF under 80C (capped ₹1.5L). Actual TDS depends on your full declarations.
Professional tax varies by state. Variable/bonus pay is excluded from fixed monthly in-hand.
This is an approximate take-home estimate, not a payslip. Confirm exact figures with your employer.

About CTC to In-Hand Salary Calculator

This calculator breaks your annual CTC down into estimated monthly take-home pay. It clearly exposes every assumption — employer and employee PF, gratuity, professional tax, variable pay and estimated income tax — so you can adjust them to match your offer.

How to use

1Enter your annual CTC and the basic salary percentage.
2Adjust employer PF, gratuity, employee PF and professional tax as per your structure.
3Enter any annual variable/bonus pay (excluded from fixed monthly pay).
4Pick a tax regime and read the estimated monthly and annual in-hand salary.