How do I calculate in-hand salary from CTC?

Start with monthly CTC (annual CTC / 12). Remove employer-side costs that never reach your bank: employer PF, gratuity provision, and employer ESI if it applies. That leaves gross salary. From gross, subtract employee PF, employee ESI (if gross is ₹21,000 or less), professional tax, and monthly income tax (TDS). What is left is in-hand salary.

What percentage of CTC is in-hand salary?

Usually 70-90%. In FY 2026-27, salaries up to about ₹12.75 lakh gross pay no income tax under the new regime, so take-home is around 90% of CTC. ₹77,529 a month on 10 LPA is about 93%; at 30 LPA it falls to about 81% because of tax.

Is PF deducted on full basic or ₹15,000?

By law PF is mandatory on basic up to the ₹15,000 wage ceiling, so many employers deduct 12% of ₹15,000 (₹1,800 a month). Some deduct 12% of full basic, which lowers take-home but grows your PF balance. Check your offer letter or ask HR which applies.

Do the new Labour Codes change my in-hand salary?

The Labour Codes in force since 21 November 2025 require wages (basic + DA) to be at least 50% of pay. If your basic was lower, your employer may restructure it. That raises the gratuity provision and - if PF is on full basic - PF, which can lower take-home slightly while increasing retirement savings.

Is professional tax deductible in the new tax regime?

No. Under the new regime only the ₹75,000 standard deduction is allowed from salary. Professional tax (up to ₹2,500 a year) is deductible only under the old regime.

Free tool · FY 2026-27

In-hand salary calculator: CTC to take-home

Enter your annual CTC to see monthly take-home under the new and old tax regimes, with PF, professional tax, ESI, and gratuity handled the way Indian payroll actually runs them.

Updated for Budget 2026 slabs and the Labour Code 50% basic rule.

Calculate your in-hand salary

New regime

₹77,529

in-hand per month · ₹9,30,350 a year

Gross salary: ₹79,529
Employee PF: - ₹1,800
Professional tax: - ₹200
Income tax (TDS): ₹-0
Income tax per year: ₹0

Old regime (PF as only 80C)

₹69,853

in-hand per month · ₹8,38,237 a year

Gross salary: ₹79,529
Employee PF: - ₹1,800
Professional tax: - ₹200
Income tax (TDS): - ₹7,676
Income tax per year: ₹92,113

New regime gives ₹7,676 more a month for this structure. The old regime can still win if you claim large HRA, 80C, 80D, or home-loan deductions.

Quick reference

In-hand salary by CTC (FY 2026-27, new regime)

In-hand salary per month by CTC
3 LPA	₹21,199 / month
4 LPA	₹28,732 / month
5 LPA	₹36,865 / month
6 LPA	₹44,998 / month
7 LPA	₹53,130 / month
8 LPA	₹61,263 / month
9 LPA	₹69,396 / month
10 LPA	₹77,529 / month
11 LPA	₹85,662 / month
12 LPA	₹93,795 / month
14 LPA	₹1,04,018 / month
15 LPA	₹1,10,819 / month
16 LPA	₹1,17,683 / month
18 LPA	₹1,31,151 / month
20 LPA	₹1,44,033 / month
25 LPA	₹1,74,752 / month
30 LPA	₹2,02,975 / month

3 LPA in-hand 4 LPA in-hand 5 LPA in-hand 6 LPA in-hand 7 LPA in-hand 8 LPA in-hand 9 LPA in-hand 10 LPA in-hand 11 LPA in-hand 12 LPA in-hand 14 LPA in-hand 15 LPA in-hand 16 LPA in-hand 18 LPA in-hand 20 LPA in-hand 25 LPA in-hand 30 LPA in-hand

Method

How the calculator works

FY 2026-27 slabs (unchanged by Budget 2026), new regime by default with the ₹75,000 standard deduction and 87A rebate up to ₹12 lakh taxable income, plus 4% cess.
Basic pay is 50% of CTC - the minimum share of wages under the Labour Codes in force since 21 November 2025. HRA and other allowances make up the rest of gross.
Employer and employee PF are 12% each on basic capped at the ₹15,000 PF wage ceiling (the most common practice). Employer PF is part of CTC.
Gratuity provision of 4.81% of basic is shown inside CTC, as most Indian offer letters do. It is paid when you leave after eligibility, not monthly.
Professional tax of ₹200 a month (₹2,400 a year). Some states charge ₹300 in February or have no PT at all.
ESI applies only if monthly gross is ₹21,000 or less (0.75% employee, 3.25% employer).
No HRA exemption, 80C investments beyond PF, variable pay, or bonus. Old-regime figures count only employee PF towards 80C.

Got questions?

In-hand salary: FAQs

CTC, PF, tax regime, and Labour Code questions.

Start with monthly CTC (annual CTC / 12). Remove employer-side costs that never reach your bank: employer PF, gratuity provision, and employer ESI if it applies. That leaves gross salary. From gross, subtract employee PF, employee ESI (if gross is ₹21,000 or less), professional tax, and monthly income tax (TDS). What is left is in-hand salary.
Usually 70-90%. In FY 2026-27, salaries up to about ₹12.75 lakh gross pay no income tax under the new regime, so take-home is around 90% of CTC. ₹77,529 a month on 10 LPA is about 93%; at 30 LPA it falls to about 81% because of tax.
By law PF is mandatory on basic up to the ₹15,000 wage ceiling, so many employers deduct 12% of ₹15,000 (₹1,800 a month). Some deduct 12% of full basic, which lowers take-home but grows your PF balance. Check your offer letter or ask HR which applies.
The Labour Codes in force since 21 November 2025 require wages (basic + DA) to be at least 50% of pay. If your basic was lower, your employer may restructure it. That raises the gratuity provision and - if PF is on full basic - PF, which can lower take-home slightly while increasing retirement savings.
No. Under the new regime only the ₹75,000 standard deduction is allowed from salary. Professional tax (up to ₹2,500 a year) is deductible only under the old regime.

Have more questions?

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