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CTC to In-Hand Salary Calculator (2026)

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.

Updated for FY 2025–26 · Indian salaried employees

Bonus / Variable Pay (Optional)

Bonus/variable pay is performance-linked and usually paid separately, not as part of monthly salary.

Not sure which to choose? Compare Old vs New Tax Regimes.

How CTC Converts to In-Hand Salary

Your in-hand salary is always lower than your CTC because several components included in CTC—such as employer PF and gratuity—are not paid as monthly cash. Employee PF, income tax, and professional tax further reduce the final take-home salary.

Note: This calculator assumes Basic Salary at 40% of CTC, PF at 12% of Basic, standard deduction, and average professional tax. Actual take-home salary may vary based on company policy, location, and benefits. This calculator follows standard Indian salary structures used by most private-sector companies.

FAQs on CTC to In-Hand Salary

How do I calculate in-hand salary from CTC in India?
In-hand salary is calculated by subtracting employee PF, income tax, and professional tax from your CTC. Employer PF and gratuity are included in CTC but are not paid as monthly cash, which reduces the final take-home salary.
Is CTC the same as take-home salary?
No. CTC includes employer PF, gratuity, bonuses, and benefits that are not paid monthly. Take-home salary is the amount credited to your bank account after all deductions.
Which tax regime gives higher in-hand salary?
For most salaried employees without major deductions, the new tax regime usually results in higher monthly in-hand salary. Employees claiming HRA, home loan interest, or other deductions may benefit more from the old tax regime.
Does bonus or variable pay affect monthly in-hand salary?
Bonus or variable pay is usually paid annually or quarterly and is not part of monthly in-hand salary. It is taxed separately based on your applicable income tax slab.
How accurate is this CTC to in-hand salary calculator?
This calculator provides an estimate based on standard Indian salary structures, PF rules, and income tax slabs for AY 2026–27. Actual take-home salary may vary depending on company policy, location, and benefits.