In-Hand Salary Calculator
FY 2026-27 · Budget 2026 slabs · Enter your CTC — get monthly take-home after all deductions
AdSense 728×90
Salary Details
Annual CTC (₹)
Basic Salary %40%
30%60%
Tax Regime
New Regime Lower slabs, no deductions
Old Regime With 80C, HRA etc.
State (for Professional Tax)
Note
Results are indicative. Actual TDS depends on employer salary structure and declarations submitted.
Monthly Take-Home
₹0
₹0 per year
Monthly Breakdown
CTC (Monthly)₹0
EARNINGS
Basic Salary₹0
HRA (50% of Basic)₹0
Special Allowance₹0
Gross Salary₹0
DEDUCTIONS
Employee PF (12% Basic)− ₹0
Professional Tax− ₹0
TDS / Income Tax− ₹0
Monthly In-Hand TAKE HOME₹0
Annual In-Hand
₹0
Take-home per year
Total Deductions
₹0
PF + PT + TDS
Effective Tax Rate
0%
Income tax / CTC
% of CTC In Hand
0%
Take-home ratio
AdSense 300×250
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Frequently Asked Questions
CTC (Cost to Company) is the total amount a company spends on you. In-hand salary is what you actually receive after deductions like PF, Professional Tax, and income tax.
Employee PF is 12% of Basic Salary. The legal minimum is 12% of basic up to the EPF wage ceiling (₹25,000/month from 17 Sep 2026, earlier ₹15,000), but many employers deduct 12% of the full basic, which is what this calculator assumes. Employer also contributes 12%, but this doesn't add to your in-hand pay. The basic salary is usually 40–50% of CTC.
Professional Tax is levied by state governments. Maharashtra charges ₹200/month with ₹300 in February (₹2,500/year). Not all states levy PT — Karnataka, WB, AP, and a few others do.
Under the new regime (Section 202 of the Income-tax Act 2025, formerly 115BAC), only standard deduction (₹75,000) and NPS employer contribution (80CCD(2), now Section 124) are allowed. Section 80C, HRA, and most other deductions are not available.
Yes. Performance bonuses are fully taxable as salary income. They increase your taxable income for that month/year and can push you to a higher tax slab.