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In-Hand Salary Calculator IndiaCTC to In-Hand & Monthly Take-Home (FY 2026-27)

🎉 Budget 2026 UpdatedNew Tax RegimeSalary After Tax

✨ Updated for Union Budget 2026 ✨

Tax slabs and deductions reflect the latest Finance Act 2026 changes

Don't be misled by your Offer Letter. Calculate your real In-Hand Salary instantly. Our tool strips away "hidden" components like Employer PF & Gratuity to reveal your exact Monthly Take-Home Pay after deducting Income Tax, PF, and NPS. Fully updated for the New Tax Regime with the ₹75,000 Standard Deduction benefit.

4.9
(5,860)

Got your Offer Letter or Salary Slip?

Learn how to enter your Fixed Pay, Variables, and PF correctly to get an accurate In-Hand Salary.

Read the Guide
FAQs
FY:

Salary Components & CTC Breakdown (FY 2026-27)

Typically 40–50% of your Total CTC. This is the base used for calculating PF, HRA, and Gratuity.
Your guaranteed annual package including Basic, HRA, LTA, Special Allowance, and Employer PF. Do not include performance bonuses here.
Add performance-linked pay, sales incentives, or annual bonuses. These are taxed but not part of your guaranteed monthly fixed pay.

PF Contribution

Select Employer PF Contribution rule: 12% of Basic (Standard), Fixed ₹1,800 (Minimum), or None (if not applicable).
Enable if your offer letter's CTC includes the Employer PF contribution (12% of Basic). Most companies include this in CTC. Disable if your CTC is excluding employer PF.
Enable if your offer letter includes Gratuity (4.81% of Basic). This amount is deducted from CTC but paid only after 5 years of service.
Enable if your company deducts Group Medical Insurance premiums from your CTC package.
Enter the annual premium amount deducted from your CTC for health insurance coverage.
Enable if your employer contributes to NPS (up to 10% of Basic + DA). This amount is tax-exempt under Section 80CCD(2).
%
Percentage of Basic Salary contributed by employer to NPS. Private sector limit is typically 10%.

Deductions & Taxes (FY 2026-27)

State-specific tax on salaried employees (₹2,500/year in most states). If unknown, keep default value.
Any additional deductions like loan repayments, union fees, or meal coupons deducted from salary.

Auto-Calculated from CTC (Non-Editable)

Your employer's share of PF. It is part of your CTC but goes directly to your EPF account, not your bank.
A portion of your CTC set aside for Gratuity. Paid out only after 5 years of continuous service.
Tax-free contribution to your NPS account by the employer. Reduces your tax liability significantly.

📢 Example: How ₹52 LPA CTC translates to Monthly In-Hand

This demo shows the Real Take-Home Pay for a ₹52 Lakhs CTC offer after deducting Income Tax, PF, and Cess (FY 2026-27). Notice the difference between Gross and Net? Enter your own salary above and click Calculate In-Hand Salary to get your personalized CTC to In-Hand breakdown.

Monthly In-Hand Pay

Detailed breakup of your monthly cash-in-hand after deducting PF, Income Tax (TDS), and Professional Tax.
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FAQs
Tax Summary
Download CSV

📢 Demo: ₹52 LPA CTC vs. Real In-Hand Salary

This example shows the Real Monthly Take-Home Pay for a ₹52 Lakhs CTC package after deducting Income Tax and PF (FY 2026-27). Notice how the "New Regime" rates affect the final amount? Enter your details above to calculate your personalized CTC to In-Hand breakdown.

Annual Tax Summary

Detailed annual summary of Gross Salary, Exemptions, Taxable Income, and Final Net Pay.
Recalculate
FAQs
Monthly View
Download CSV

Total Annual CTC

₹55,50,000

Gross Fixed Salary:₹52,00,000

Performance Bonus:₹3,50,000

(Includes Basic Pay):₹26,00,000

Tax-Free Components

₹5,21,710

Employer PF (Tax Exempt Portion):₹21,600

Employer NPS (Sec 80CCD(2)):₹2,60,000

Other Tax-Free Allowances:₹50

Standard Deduction (New Regime):₹75,000

Gratuity (Retiral):
₹1,25,060Check Eligibility

Health Insurance Premium:₹40,000

Net Taxable Income
(CTC minus Exemptions)

₹50,28,290

Total Tax Payable

₹11,52,622

Income Tax (New Regime):₹10,88,487

Surcharge:₹19,803

Health & Education Cess (4%):₹44,331.6

Net Annual In-Hand Pay
(What hits your bank)

₹39,26,568

📌 Note:ITR filing due date for FY 2025-2026 is July 31, 2026. Verify details on the official portal: incometax.gov.in

Next Steps: Plan Your Taxes

Detailed Tax Calculation

Get a comprehensive tax breakdown beyond just salary.

Tax Saving Guide 2025

Smart ways to save tax beyond Section 80C.

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Top Reviews

44 reviews
N

Narender Singh Shekhawat

5 stars
1 Feb 2026

Thank you for your honest feedback Thutu. We would appreciate if you could help us with improvements and suggestion you need. Thank you.

N

Narender Singh Shekhawat

5 stars
1 Feb 2026

Thank you, Manoj. In the monthly in hand salary split, the PR contribution is on base pay only, is shows you the total pf contribution, both own contribution and employer contribution. previously we assumed that CTC will also contain the employer contribution, hence the PF contribution was double, now we have added toggle, to control the behavior where user can specify if Employer PF contribution is included in CTC or not. if not, then you will see your own contribution.

N

Narender Singh Shekhawat

5 stars
1 Feb 2026

on Premchand ji's request, we have added option to download your monthly breakdown, tax summary etc. you will find the new download option on the top right corner of the monthly breakdown and Tax summary

N

Narender Singh Shekhawat

5 stars
1 Feb 2026

Worked on below user requirements "Just needs another option to exclude employer’s pf out of the base.", "couldnot find the option to exclude the employer PF from the CTC." The calculator, now allows you to exclude employer's PF from CTC

B

Bharath J P V

5 stars
31 Jan 2026

Best and simple to use

A

Anonymous

5 stars
31 Jan 2026

The tool is just perfect! If possible please add old and new regime options.

T

Thutu

1 stars
27 Jan 2026

Thi is the shittiest stuff that I saw in recent while

M

Manoj

5 stars
26 Jan 2026

In monthly in hand split, employee pf should be 12% on basic and not on total gross.

P

Premchand

5 stars
23 Jan 2026

Superb tool, very helpful. Requesting to create an excel download facility.

A

Antaroop

5 stars
23 Jan 2026

Finally found an accurate in hand salary calculator :)

CTC vs. In-Hand Salary: The "Hidden" Math

Why does a ₹15 Lakhs Offer result in only ₹1.12 Lakh/month? Your Offer Letter (CTC) includes "virtual money" you never see. Here is the reality check based on real payroll logic.

ComponentReal Impact on Bank Credit
1. Total CTC
Cost to Company
100%
(Virtual Figure)
2. Gross Salary
CTC minus Retirals
~90%
of CTC
3. Net In-Hand
Take-Home Pay
~70-75%
Actual Cash

Insider Tip: When negotiating a new job, never look at the CTC alone. A ₹20 LPA offer with high "Variable Pay" often results in a lower monthly salary than an ₹18 LPA offer with 100% Fixed Pay. Use the calculator above to compare the "Fixed Component" before saying yes.

In-Hand Salary Chart (FY 2025-26)

Quick lookup for New Tax Regime estimates. See your expected Monthly Bank Credit before deductions.

HR Insider Tip: Up to ₹13 LPA CTC is effectively Tax-Free.*

Entry & Mid7-15 LPA

Low Tax
  • 7 Lakhs
    ₹ 49,730₹ 0
  • 10 Lakhs
    ₹ 71,129₹ 0
  • 12 Lakhs
    ₹ 85,395₹ 0
  • 13 Lakhs
    ₹ 92,528₹ 0 (Sweet Spot)
  • 14 Lakhs
    ₹ 99,234₹ 5k (Relief)
  • 15 Lakhs
    ₹ 1.00 Lakh₹ 77k/yr
MOST POPULAR

Senior18-30 LPA

  • 18 Lakhs
    ₹ 1.18 LakhTax: ₹ 1.20L
  • 20 Lakhs
    ₹ 1.29 LakhTax: ₹ 1.56L
  • 22 Lakhs
    ₹ 1.40 LakhTax: ₹ 1.95L
  • 24 Lakhs
    ₹ 1.51 LakhTax: ₹ 2.39L
  • 25 Lakhs
    ₹ 1.56 LakhTax: ₹ 2.63L
  • 26 Lakhs CTC leads to monthly in-hand salary of
    ₹ 1.61 LakhTax: ₹ 2.87L
  • 30 Lakhs
    ₹ 1.80 LakhTax: ₹ 3.96L

Leadership32-50 LPA

  • 32 Lakhs
    ₹ 1.90 LakhTax: ₹ 4.53L
  • 35 Lakhs
    ₹ 2.04 LakhTax: ₹ 5.39L
  • 36 Lakhs
    ₹ 2.09 LakhTax: ₹ 5.67L
  • 40 Lakhs
    ₹ 2.28 LakhTax: ₹ 6.82L
  • 45 Lakhs
    ₹ 2.52 LakhTax: ₹ 8.25L
  • 50 Lakhs
    ₹ 2.75 LakhTax: ₹ 9.67L

Calculation Basis: These figures are estimates for FY 2025-26 (New Regime). They assume a standard salary structure: 50% Basic Salary, with 12% Employer PF and 4.8% Gratuity deducted from CTC. Actual in-hand may vary based on your company's specific Variable Pay policy and Location (Professional Tax).

HR Insider: Negotiation & Tax Insights (2025)

Don't Fall for the "Variable Pay" Trap

Recruiters often inflate CTC with 15-30% Variable Pay. Our data shows users with High Variable Pay have ~12% lower monthly in-hand than Fixed Salary peers. Always negotiate on Fixed Pay first.

DATA INSIGHT

The '12% Secret' (NPS Hack)

28% of our users fall in the 20-30 LPA bracket, but only 12% use Employer NPS. Read our 2025 Guide to save an extra ₹50k-₹75k tax.

New Tax Regime Slabs (FY 2025-26)

This calculator is updated as per the Finance Act 2025 amendments. It applies the default tax rates under Section 115BAC of the Income Tax Act, 1961.

The New Regime offers lower tax rates but removes exemptions like HRA and 80C. However, two major relief measures were introduced:

NEW
₹75,000 Standard Deduction

Increased from ₹50,000. Available to all salaried employees automatically, reducing your taxable income flat.

ZERO TAX
₹12 Lakh Tax-Free Limit

Due to the increased Rebate u/s 87A (up from ₹25k to ₹60k), taxable income up to ₹12 Lakhs attracts ₹0 Tax.

Income Slab (FY 2025-26)Tax Rate
Up to ₹ 4,00,000Nil
₹ 4,00,001 - ₹ 8,00,0005%
₹ 8,00,001 - ₹ 12,00,00010%
₹ 12,00,001 - ₹ 16,00,00015%
₹ 16,00,001 - ₹ 20,00,00020%
₹ 20,00,001 - ₹ 24,00,00025%
Above ₹ 24,00,00030%
Note: A 4% Health & Education Cess is applicable on the total income tax amount. Surcharge applies for income above ₹50 Lakhs.

Prefer the Old Tax Regime?

The Old Regime includes exemptions like HRA & 80C. Check if it saves you more money.

Just need HRA Calculator?

Verification Note: This In-Hand Salary Calculator is rigorously tested against the Union Budget 2025 guidelines and Finance Act 2025 amendments. It accounts for the latest New Tax Regime slabs and the ₹75,000 Standard Deduction.Reviewed by Finance Experts. Last Updated: November 15, 2025.

Common Questions: In-Hand Salary & Tax Calculation

Recalculate

This is the #1 confusion for employees. CTC (Cost to Company) includes 'non-cash' components like Employer's PF Contribution (12%), Gratuity (4.81%), and Insurance premiums. These are part of your package but not your monthly paycheck. Our calculator strips away these employer costs to show you the actual cash component that hits your bank account.

To find your real take-home, we follow this formula: Start with your Gross Salary (Fixed Pay), then subtract Employee PF (12% of Basic), Professional Tax (₹200/month avg), and Income Tax (TDS). For FY 2026-27, we automatically apply the new ₹75,000 Standard Deduction to lower your taxable income before calculating the final amount.

Not always. A ₹15 LPA offer with 20% 'Variable Pay' (performance bonus) will often have a lower monthly in-hand than a ₹13 LPA offer with 100% Fixed Pay. Variable pay is usually paid annually or quarterly, not monthly. Use the 'Variable Pay' field in our calculator to see how much your monthly lifestyle actually depends on guaranteed income.

Updated for Budget 2025: The Standard Deduction for salaried employees has been increased from ₹50,000 to ₹75,000 under the New Tax Regime. This is a flat reduction from your taxable salary, meaning you pay zero tax on the first ₹75,000 of your income, directly boosting your annual in-hand savings.

Professional Tax is a state-level mandatory deduction usually deducted monthly from your salary (typically ₹200/month in states like Maharashtra, Karnataka, and Telangana). While small, it reduces your in-hand pay. Our calculator auto-detects this based on your state rules so you don't get a surprise difference in your payslip.

Employer PF (12% of Basic) is the trickiest part of CTC. Companies add it to your CTC to inflate the total package value, but it is never paid to you in cash. It goes directly to your EPF account. Our calculator separates this 'Employer' portion from your 'Employee' deduction to give you an honest view of your disposable income.

Yes. If your actual bank credit doesn't match our calculator's 'Net In-Hand' figure, check your payslip for voluntary deductions like VPF, extra insurance, or LWF. However, for statutory deductions like Income Tax (New Regime) and mandatory PF, our tool provides an accurate benchmark to ensure your payroll team is deducting the correct tax.