CTC to In-Hand Salary Calculator
Your real monthly take-home from any Indian CTC, on FY 2026-27 new regime rules: income tax, PF, professional tax, gratuity, and variable pay all accounted for.
Your offer
The labour codes require basic + DA to be at least 50% of pay, so 50% is the compliant norm; older structures still use 40%. Your offer annexure has the exact split.
Common in service-company CTCs (4.81% of basic)
80C + HRA exemption + others, used only for the regime comparison line.
Comparing an offer?
Shows the hike % and the real monthly in-hand difference, assuming the same salary structure.
Estimated monthly in-hand
₹93,795/month
₹11,25,540 a year — 94% of CTC reaches your account
New regime tax: ₹0/yr. Old regime with your deductions would charge ₹1,06,504/yr — the new regime wins for these numbers.
Where your CTC goes
| Component | Monthly | Annual |
|---|---|---|
| Annual CTC | ₹1,00,000 | ₹12,00,000 |
| Basic salary50% of CTC | ₹50,000 | ₹6,00,000 |
| −Employer PF (in CTC, not cash) | ₹1,800 | ₹21,600 |
| −Gratuity provision (in CTC, not cash)4.81% of basic | ₹2,405 | ₹28,860 |
| Fixed gross salary | ₹95,795 | ₹11,49,540 |
| −Income tax (new regime, incl. cess) | ₹0 | ₹0 |
| −Employee PF | ₹1,800 | ₹21,600 |
| −Professional tax | ₹200 | ₹2,400 |
| In-hand salary | ₹93,795 | ₹11,25,540 |
Negotiating this offer? Win the rounds that set the number.
The calculator shows what an offer is worth. These help you land a bigger one.
Estimates use FY 2026-27 new-regime slabs, a ₹75,000 standard deduction, the Section 87A rebate with marginal relief, 4% cess, and surcharge where applicable. Not modeled: employer NPS under Section 80CCD(2), ESI (deducted when gross is ₹21,000/month or less), and labour welfare fund. Actual take-home varies with your employer's exact salary structure (HRA, allowances, insurance recovered from CTC) and any income beyond salary. This is an estimate for planning and negotiation, not tax advice.