Take-Home Salary Calculator India — CTC to In-Hand
Estimate your average monthly in-hand salary from CTC after PF, professional tax, income tax and common employer-side CTC costs.
Salary assumptions
How This CTC to In-Hand Salary Calculator Works
CTC is the employer’s total annual cost, not your bank credit. This calculator estimates employer PF and gratuity where selected, then subtracts employee PF, professional tax and estimated income tax to calculate an average monthly take-home.
CTC vs Gross Salary vs In-Hand Salary
CTC includes employer-side costs. Cash gross salary is the estimated cash compensation before employee deductions. In-hand salary is the amount left after employee PF, income tax, professional tax and other applicable payroll deductions.
Current New Tax Regime — Tax Year 2026–27
The calculator uses the current default New Tax Regime. It applies the ₹75,000 salary standard deduction, current slab rates, the resident-individual rebate and marginal relief around ₹12 lakh of total income, surcharge where applicable and 4% Health and Education Cess.
PF, Basic / Wage and Gratuity Assumptions
The default PF option uses the ₹15,000 monthly wage ceiling, so the normal capped employee PF becomes ₹1,800 per month when estimated PF wages are at least ₹15,000. The Basic/Wage percentage is editable because actual salary structures differ. Gratuity is treated as an estimated employer-side CTC provision when enabled.
Professional Tax
Professional tax is state-specific, so CentralPortal does not assume one amount for all employees. Enter the monthly professional-tax amount applicable to you. If you need to work it out first, use the Professional Tax Calculator.
Frequently Asked Questions
Is CTC divided by 12 my monthly salary?
No. Employer PF, gratuity, variable pay and other CTC components can make monthly cash salary lower than CTC divided by 12.
Does employer PF reduce my in-hand salary?
Employer PF is treated as an employer-side CTC cost. Employee PF is separately deducted from cash gross to estimate take-home.
Why is professional tax entered manually?
Professional tax differs by state and sometimes by local or employee-specific rules. Entering the applicable monthly amount avoids assuming one India-wide rate.
Is Basic salary always 50% of CTC?
No. The default is only a planning assumption. Use your actual salary structure when known.
Is this salary result exact?
No. It is an estimate because employers structure CTC and payroll differently.