Salary in-hand calculator
Estimate monthly take-home salary from yearly CTC after provident fund, professional tax and income tax under the new or old regime.
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Rates as of 14 November 2026, for tax year 2026-27 (1 April 2026 to 31 March 2027). Sources: Income Tax Department: tax slabs for individuals; Finance Bill 2026 memorandum: rates for tax year 2026-27; PIB: new regime slabs, rebate and standard deduction; PIB: recommendations of the 56th GST Council (rates from 22 September 2025); PIB: EPF wage ceiling raised to ₹25,000.
What it does
CTC (cost to company) is what your employer spends on you in a year. Your in-hand salary is lower, because the employer’s provident fund contribution, your own PF contribution, professional tax and income tax come out of it. This calculator estimates the monthly amount that reaches your bank account.
How to use it
- Enter your yearly CTC from the offer letter.
- Enter basic pay as a percentage of CTC. Check your salary structure; 40% to 50% is common.
- Choose your tax regime and enter the monthly professional tax in your state.
- Tick or untick the two PF options to match your payslip.
- Read the monthly in-hand figure and the yearly breakdown.
Worked example
CTC ₹12,00,000, basic pay 50%, PF on a capped wage of ₹25,000, professional tax ₹200 a month, new regime. Employer PF is ₹36,000 a year, so gross salary is ₹11,64,000. Your own PF is ₹36,000 and professional tax ₹2,400. Taxable income is ₹10,89,000, which is under ₹12,00,000, so income tax is nil. In-hand salary is ₹11,25,600 a year, about ₹93,800 a month.
How it works
Gross salary = CTC minus the employer’s PF contribution, if that is counted in your CTC. Employee and employer each contribute 12% of PF wages. From 17 September 2026 the statutory PF wage ceiling is ₹25,000 a month; some employers contribute on full basic pay instead, so untick the cap if yours does.
Income tax is worked out on gross salary using the same rules as our income tax calculator. In the old regime, professional tax, your PF contribution (as part of the ₹1,50,000 limit under section 80C) and the other deductions you enter are subtracted first. In-hand salary = gross salary − employee PF − professional tax − income tax − other deductions.
Questions
Why is my real payslip different?
Salary structures differ. Gratuity, insurance premiums, variable pay, meal cards, notice-period recoveries and employer NPS can all be inside CTC. Enter known extra deductions in the other-deductions box.
How much is professional tax?
It is set by each state and some states do not charge it. Enter the amount shown on your payslip.
Is the PF money lost?
No. Your contribution and the employer’s go into your provident fund and pension accounts. They are just not part of take-home pay.
Does it include bonus or variable pay?
Only if you include it in the CTC you enter. A bonus paid once a year changes monthly take-home in the month it is paid.