In-Hand Salary Calculator — CTC to Take-Home Pay India 2026

What is CTC vs Gross Salary vs In-Hand Salary?

Understanding these three terms is critical for any working professional in India:

• CTC (Cost to Company): The total expense the company incurs on you. It includes your salary, employer's PF contribution, gratuity, insurance premiums, and other perks.
• Gross Salary: CTC minus the Employer's PF and Gratuity. This is the amount before any taxes or personal deductions are applied.
• In-Hand Salary (Net Pay): The actual cash you receive in your bank account after all deductions like Employee's PF, Professional Tax (PT), and Income Tax (TDS).

What Gets Deducted From Your Salary?

Every month, your gross pay is subject to three primary mandatory deductions in India:

• EPF (Employee Provident Fund): 12% of your Basic Salary is deducted as your contribution. Your employer also contributes an equal 12%, though this is usually already factored into your CTC.
• Professional Tax (PT): A small state-level tax, usually capped at ₹200-₹200 per month (approx. ₹2,400-₹2,500 annually).
• Income Tax (TDS): Calculated based on the Income Tax slabs. As of FY 2025-26, the New Tax Regime is the default and offers higher standard deductions.

CTC to In-Hand Salary Formula

Our calculator utilizes the standard payroll logic used by top Indian accounting departments:

In-Hand Salary at Different CTC Levels (New Regime)

Here is a quick look at estimated monthly take-home for common salary bands (assuming standard 40% Basic Salary structure and no other income):

Frequently Asked Questions