इन-हैंड सैलरी
CTC to in-hand salary calculator
An offer says ₹12 LPA. Here's what actually lands in your account each month.
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In-hand per month
₹93,795
- CTC
- ₹12,00,000
- − Employer PF
- −₹21,600
- − Gratuity
- −₹28,860
- = Gross salary
- ₹11,49,540
- − Your PF
- −₹21,600
- − Professional tax
- −₹2,400
- − Income tax
- −₹0
- = In-hand (yearly)
- ₹11,25,540
Old-regime figures here claim only your PF under 80C. Bonuses, variable pay and reimbursements change the real number, so treat this as an estimate for FY 2026-27.
How to use it
- 01Enter your yearly CTC.
- 02Set basic pay as a percentage of CTC (usually 40–50%).
- 03Choose the tax regime and see the monthly in-hand.
₹12 LPA · basic 50% · new regime
≈ ₹93,800 per month in hand
About this tool
CTC (cost to company) includes money you never receive monthly: the employer's PF contribution and gratuity. From what remains (gross salary), your own PF, professional tax and income tax are deducted. What's left is your in-hand salary.
PF is 12% of basic pay, and many companies cap it at the ₹15,000/month wage ceiling (₹1,800/month). Gratuity is 4.81% of basic. Professional tax is about ₹200 a month in most states that levy it.
Bonuses, variable pay and reimbursements change the real number, so treat this as an estimate.
हिंदी में मदद
CTC में कंपनी का PF और ग्रेच्युटी भी शामिल होते हैं, जो हर महीने हाथ में नहीं आते। यह कैलकुलेटर PF, प्रोफ़ेशनल टैक्स और इनकम टैक्स घटाकर बताता है कि आपकी असली मासिक सैलरी कितनी होगी।
Questions
Why is in-hand so much lower than CTC ÷ 12?
Because CTC includes the employer's PF, gratuity and sometimes insurance and bonuses, and then your PF and tax are deducted from what remains.
Which tax regime should I pick?
The new regime is better for most people with few deductions. The old regime can win if you have large HRA, 80C and home-loan interest claims. Use the income tax calculator to compare.
What basic percentage should I use?
Check your offer letter. Most companies set basic at 40–50% of CTC.