Reference 1
- Annual CTC
- INR 6 L
- Basic %
- 40%
- Regime
- New
- Typical in-hand range
- INR 43k to 46k/mo
Finance & Tax
CTC to In-Hand Salary Calculator
Convert annual CTC to monthly in-hand salary in India with employer PF, gratuity, employee PF, professional tax, and income tax regime impact.
Formula Explanation
Gross salary = CTC - employer PF - gratuity; In-hand = gross salary - employee PF - professional tax - TDSThe calculator separates employer-side CTC components from monthly taxable salary, then subtracts statutory and tax deductions to estimate take-home pay.
Step-by-Step Example
- 1Calculate annual basic salary from CTC and selected basic percentage.
- 2Deduct employer PF capped at INR 1,800 per month and gratuity provision at 4.81% of basic from CTC.
- 3Calculate employee PF, professional tax, and income tax under the selected FY 2025-26 regime.
- 4Monthly in-hand salary equals annual gross salary minus annual deductions, divided by 12.
Reference
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Reference 2
- Annual CTC
- INR 12 L
- Basic %
- 40%
- Regime
- New
- Typical in-hand range
- INR 83k to 90k/mo
Reference 3
- Annual CTC
- INR 20 L
- Basic %
- 45%
- Regime
- Old/New
- Typical in-hand range
- Depends on deductions
Reference 4
- Annual CTC
- INR 35 L
- Basic %
- 40%
- Regime
- New
- Typical in-hand range
- Higher TDS impact
FAQ
CTC includes employer PF, gratuity provision, insurance, bonuses, and other benefits that may not be paid monthly as cash.
Employer PF is part of CTC but is not deducted from monthly gross salary. Employee PF is deducted from salary.
No. It models common statutory components. Actual payslips may include bonus, variable pay, insurance, LTA, food cards, and reimbursements.
The new regime often helps when deductions are low, while the old regime can help when you claim HRA, 80C, 80D, and home loan benefits.
Monthly in-hand salary
₹91,276.00