CTC to In-Hand Salary Calculator (India)
Calculate your monthly and yearly in-hand salary from your CTC using the latest Indian income tax rules for AY 2026–27. Compare New vs Old Tax Regime instantly.
Confused about regimes? Compare Old vs New Tax Regime
How CTC Converts to In-Hand Salary
Your in-hand salary is calculated after deducting employee PF, income tax, and professional tax from your total CTC. The final take-home depends on the tax regime you choose and your salary structure.
Learn the exact calculation logic here: CTC Calculation Formula in India
Frequently Asked Questions
What is the difference between CTC and in-hand salary?
CTC includes all salary components such as PF, gratuity, bonuses, and taxes, while in-hand salary is the amount you receive after deductions.
Which tax regime gives higher take-home salary?
The New Tax Regime usually offers higher take-home for salaried employees with fewer deductions, while the Old Regime benefits those claiming HRA, 80C, and other exemptions.
Is this calculator accurate?
This calculator provides a close estimate using standard salary assumptions. Actual in-hand salary may vary based on company structure and exemptions.
Disclaimer: This calculator assumes Basic Salary = 40% of CTC, PF = 12% of Basic, standard deduction, and average professional tax. Actual salary may vary based on company policy and location.