💼 In-Hand Salary Calculator
Convert an annual CTC into a realistic monthly take-home. The calculator builds a standard salary structure (basic % of CTC, employer & employee PF, professional tax) and deducts income tax at the latest FY 2026-27 new-regime rates — including the zero-tax-up-to-₹12.75L rebate for salaried.
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How it's calculated
Gross = CTC − employer PF (12% of basic). Take-home = Gross − employee PF (12% of basic) − professional tax (₹200/month typical) − income tax (new regime with ₹75,000 standard deduction and 87A rebate) ÷ 12.
Frequently asked questions
Why is my in-hand lower than CTC ÷ 12?
CTC includes employer PF and sometimes gratuity provisions that never reach your bank account, and income tax plus employee PF and professional tax are deducted monthly from the rest.
Is this exact?
It is a close estimate using a standard structure. Actual take-home varies with your company's basic %, HRA, flexible benefits, gratuity provision, variable pay and any old-regime declaration.
