In-Hand Salary Calculator FY 2026-27
Calculate Monthly Take-Home Pay from CTC in India
Instant CTC to Take Home Salary Breakdown. No Login Required.
Estimate your in-hand salary with PF, HRA, Income Tax, Professional Tax & ESI deductions
Last reviewed on September 1, 2026. Results are estimates based on common payroll assumptions, not payroll advice.
Your In-Hand Salary
Based on your inputs
Monthly Take-Home
₹85,395
Annual Take-Home
₹10,24,740
Annual CTC
₹12,00,000
Total Deductions
₹1,75,260
(14.6% of CTC)
Tax Regime Comparison
Compare your take-home salary under both tax regimes
Old Regime
Monthly In-Hand
₹76,083
Annual In-Hand
₹9,12,994
Income Tax
₹1,11,746
Taxable Income
₹9,74,740
✓ HRA Exemption
✓ Section 80C Deductions
✓ Standard Deduction
✓ Professional Tax Deduction
New Regime
RECOMMENDEDMonthly In-Hand
₹85,395
Annual In-Hand
₹10,24,740
Income Tax
₹0
Taxable Income
₹10,24,140
✓ Standard Deduction
✓ Lower Tax Rates
✓ Simpler Calculation
✗ No Other Deductions
You save ₹1,11,744 per year with New Regime
Detailed Salary Breakdown
| Component | Monthly | Annual |
|---|---|---|
| CTC Components | ||
| Basic Salary | ₹50,000 | ₹6,00,000 |
| HRA (House Rent Allowance) | ₹25,000 | ₹3,00,000 |
| Special Allowance | ₹16,595 | ₹1,99,140 |
| Employer PF Contribution | ₹6,000 | ₹72,000 |
| Gratuity | ₹2,405 | ₹28,860 |
| Employee Deductions | ||
| Employee PF | ₹6,000 | ₹72,000 |
| Professional Tax | ₹200 | ₹2,400 |
| Tax Calculation | ||
| Gross Salary | ₹91,595 | ₹10,99,140 |
| Standard Deduction | -₹6,250 | -₹75,000 |
| Section 80C Deduction | -₹6,000 | -₹72,000 |
| Taxable Income | ₹85,345 | ₹10,24,140 |
| Section 87A Tax Rebate | -₹3,535 | -₹42,414 |
| Income Tax Total | ₹0 | ₹0 |
| In-Hand Salary | ₹85,395 | ₹10,24,740 |
Income Tax Slab Breakdown
CTC Distribution
₹10,24,740
85.4% of CTC
₹72,000
6% of CTC
₹1,03,260
8.61% of CTC
In-Hand Salary by Company
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Tax & Deductions
Popular CTC to In-Hand Salary Estimates
Quick reference for common Indian CTC packages using the same default assumptions as the calculator.
| CTC | Monthly In-Hand | Annual In-Hand | Details |
|---|---|---|---|
| 5 LPA | ₹35,465 | ₹4,25,575 | View breakdown |
| 8 LPA | ₹56,863 | ₹6,82,360 | View breakdown |
| 10 LPA | ₹71,129 | ₹8,53,550 | View breakdown |
| 12 LPA | ₹85,395 | ₹10,24,740 | View breakdown |
| 15 LPA | ₹1,00,308 | ₹12,03,693 | View breakdown |
| 20 LPA | ₹1,29,339 | ₹15,52,065 | View breakdown |
| 25 LPA | ₹1,56,134 | ₹18,73,607 | View breakdown |
| 30 LPA | ₹1,80,693 | ₹21,68,321 | View breakdown |
How This Calculator Works
The calculator estimates take-home salary from annual CTC using common Indian salary-structure assumptions. It accounts for employee PF, employer PF, gratuity, professional tax, ESI eligibility, and income tax under the selected regime.
Your actual payslip can differ if your employer uses a different basic-salary split, reimbursements, flexible benefits, bonuses, or state-specific payroll rules.
Default Assumptions
- Basic salary starts at 50% of CTC
- HRA uses metro or non-metro defaults
- PF is enabled unless you switch it off
- Maharashtra PT is the default example state
Before You Decide
- Check your offer letter or payslip structure
- Use old-regime inputs only with real deductions
- Consult a CA for filing or tax planning
- Report issues through the contact page
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PF Calculator
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Gratuity Calculator
Estimate gratuity from basic and service
Learn More About Indian Salaries
Practical guides with visible assumptions, source notes, and review dates
How to Calculate In-Hand Salary from CTC?
Your CTC (Cost to Company) is not the same as your in-hand salary(take-home pay). CTC includes various components like Basic Salary, HRA, Special Allowances, Employer's PF contribution, and Gratuity. Your actual take-home salary is what you receive after all deductions like Income Tax, Employee PF, Professional Tax, and ESI.
Understanding Salary Components
Basic Salary: Typically 40-50% of CTC. This forms the base for calculating other components like HRA, PF, and Gratuity.
HRA (House Rent Allowance): Usually 40% of Basic (non-metro) or 50% (metro cities). Can be partially or fully exempt under Old Tax Regime if you pay rent.
Special Allowance: The remaining portion of your gross salary after Basic and HRA. This is fully taxable.
Provident Fund (PF): Both employer and employee contribute 12% of Basic Salary. Employee contribution is deducted from salary, while employer contribution is part of CTC.
Gratuity: Approximately 4.81% of Basic Salary. Part of CTC but paid only after 5 years of service.
Old Tax Regime vs New Tax Regime (FY 2026-27)
India offers two tax regimes, and you must choose one each financial year:
New Tax Regime (Default)
- Lower tax rates with simplified slabs
- 0% up to ₹4 lakh, 5% from ₹4-8 lakh, 10% from ₹8-12 lakh, 15% from ₹12-16 lakh, 20% from ₹16-20 lakh, 25% from ₹20-24 lakh, 30% above ₹24 lakh
- Standard Deduction of ₹75,000
- No HRA exemption, no Section 80C benefits
- Best for: People with few investments and lower income
Old Tax Regime (Optional)
- Higher tax rates but with many deductions
- 0% up to ₹2.5 lakh, 5% from ₹2.5-5 lakh, 20% from ₹5-10 lakh, 30% above ₹10 lakh
- HRA exemption available
- Section 80C deductions up to ₹1.5 lakh (PPF, ELSS, Life Insurance, etc.)
- Best for: People with rent payments and good investments
Common Salary Deductions
- Income Tax: Based on your taxable income and chosen tax regime
- Employee PF: 12% of Basic Salary (capped at ₹1,800/month)
- Professional Tax: State-specific (₹200/month in Maharashtra, Karnataka)
- ESI: 0.75% of gross salary if monthly gross is below ₹21,000
Frequently Asked Questions
What is in-hand salary?
In-hand salary (take-home salary) is the actual amount you receive in your bank account after all deductions from your CTC. It's calculated as: CTC - (Employer PF + Gratuity + Income Tax + Employee PF + Professional Tax + ESI).
How much is 10 LPA in-hand salary?
A 10 LPA (₹10,00,000 CTC) typically gives around ₹71,000 monthly in-hand under New Tax Regime with standard assumptions. Under Old Tax Regime, the estimate depends more heavily on rent, Section 80C, and other deductions. Use our calculator above for a personalized estimate.
Does gratuity reduce in-hand salary?
Yes, gratuity (4.81% of basic) is part of CTC but not included in monthly salary. It's paid as a lump sum after 5 years of service, so it effectively reduces monthly take-home.
Which tax regime is better?
It depends on your deductions. Old Regime is better if you have rent payments, investments in 80C instruments, or home loans. New Regime is better if you have minimal deductions and prefer simplicity. Use our comparison feature above.
How is PF calculated?
PF is 12% of your Basic Salary, contributed by both employer and employee. For example, if your basic is ₹40,000, both you and your employer contribute ₹4,800 each month. Your contribution (₹4,800) is deducted from salary.
Is this calculator accurate for FY 2026-27?
It is designed around the FY 2026-27 assumptions shown on this site and should be treated as an estimate. Tax calculations can vary based on individual circumstances, employer policy, and later government notifications. For precise tax planning, consult a chartered accountant.
Sources and Review Notes
The calculator separates statutory rules from salary-structure assumptions. Income-tax, PF, ESI, and professional-tax references are checked against official or regulator sources, while CTC splits such as basic salary and HRA are editable assumptions because employers structure compensation differently.
- Income Tax Department for tax rules and filing references
- EPFO for provident-fund references
- ESIC for ESI references
- Editorial guidelines and methodology