CTC to In-Hand Salary Calculator

CTC is the annual cost of your compensation package. In-hand or take-home salary is cash after payroll deductions. The bridge between them has two stages: remove employer-cost items to find gross cash pay, then subtract employee-side deductions.

For the scenario loaded with this page, annual CTC is ₹12,00,000. Employer benefits account for ₹80,688, and fixed gross cash salary is ₹11,19,312. Estimated regular monthly take-home is ₹88,276.

This worked example follows the initial/shared-link inputs. Your live calculator result above updates after Calculate.

These examples all use the same defaults: no variable pay, 40% basic, 12% PF on full basic, gratuity at 4.81% of basic and ₹2,400 annual professional tax. They are model outputs, not salary-survey data or employer promises.

Tax preset: FY 2025–26 · AY 2026–27, new regime. Round-off differences of a rupee can occur when you add displayed components; the calculator uses unrounded amounts internally.

Quick CTC values retain the selected assumptions. Changes are applied together when you calculate, so a pending edit cannot silently change part of your result. Reset returns to the default example. Copy result link preserves the applied assumptions, not unfinished edits.

Basic pay is modeled as a percentage of fixed CTC after removing variable pay. HRA is an illustrative allocation of fixed gross, capped so the cash components never exceed gross pay. It does not create a separate tax exemption under this preset.

The model uses the explicitly dated FY 2025–26 · AY 2026–27 resident salaried new regime, with ₹75,000 standard deduction, the applicable rebate and marginal relief, and 4% cess. Tax applies to modeled fixed gross plus the assumed variable payout, not directly to CTC. Annual tax is budgeted across twelve regular paychecks; actual TDS timing may differ.

Income-tax and take-home estimates stop above ₹50 lakh modeled gross salary. Surcharge, special-rate income, other income, exemptions, an old-regime comparison and current-year rule updates are outside this preset.

PF options are simplified models of your actual contribution basis. The employer contribution may be allocated between EPF and EPS; this tool does not calculate that split. Professional tax is an editable annual input because rules differ by state. ESI and other payroll items are not automatically determined.

References: Income Tax Department - AY 2026–27 and EPFO contribution guidance. These references do not imply that every employer uses our default structure.

Ask for the compensation breakup, not just the headline CTC. Use these questions to reconcile the estimate with payroll.

• Fixed versus conditional. Which amounts are guaranteed, and what conditions or targets apply to the variable component?
• Employer costs. Are employer PF, gratuity, insurance or other non-cash costs included in quoted CTC?
• Deduction basis. Is PF based on full eligible wages or a capped basis? What professional tax and ESI apply to you?
• Tax and timing. Which tax year and regime apply, and how are bonus taxes or prior-employer earnings reflected in TDS?
• Recurring bank credit. Are reimbursements, unpaid leave, loans, one-off deductions or joining payments affecting this month?

The goal cards use an illustrative 35% saving rate from regular take-home, not a recommended budget. Housing, debt, dependants and essential spending should guide your actual savings capacity.