A salary offer that says “₹12 LPA” doesn’t tell you what actually lands in your bank account every month — and the gap between CTC and take-home pay surprises almost everyone the first time they see a payslip. Our in-hand salary calculator converts your CTC into an estimated monthly take-home, accounting for PF, professional tax, and current income tax slabs.
[Use the in-hand salary calculator above ↑] — enter your CTC and a few basic details to see the full breakdown.
CTC (Cost to Company) is the total amount your employer spends on you annually — and it includes several components that never actually reach your bank account:
On top of that, your own paycheck has deductions before it reaches you:
By the time all of this is accounted for, it’s common for in-hand pay to be meaningfully lower than the headline CTC figure — which is exactly why calculating it in advance, before accepting an offer, is worth doing.
The calculator instantly shows your estimated monthly take-home, plus a full breakdown of exactly where each deduction comes from.
New Regime (default):
Old Regime:
If you don’t have major investments, home loan interest, or HRA claims, the New Regime usually works out better. If you have substantial 80C investments, HRA, and other deductions, it’s worth calculating both — this tool lets you switch and compare instantly.
To keep this useful without overcomplicating it, a few things are simplified:
Treat this as a close, reliable estimate for typical salary structures — not a substitute for your actual payslip or Form 16.
Why is my in-hand salary lower than my CTC? Because CTC includes components that don’t reach your bank account monthly — employer PF contribution, gratuity, and insurance — plus your own paycheck has PF, professional tax, and income tax deducted before you receive it.
Which tax regime gives a higher in-hand salary? It depends on your deductions. The New Regime generally works out better if you don’t have significant 80C investments, HRA claims, or home loan interest to offset. If you do, the Old Regime can sometimes result in lower tax and higher take-home — compare both using this calculator.
Is PF calculated on my full basic salary? Usually, yes, though PF regulations technically allow contributions to be capped at a statutory wage ceiling of ₹15,000 basic per month. Many employers apply 12% to the full basic regardless — check your specific company’s policy, and use the cap toggle in this calculator to compare both scenarios.
Does professional tax apply in every state? No — professional tax is a state-level tax, and a few states and union territories don’t levy it at all. Check your specific state’s rules for the exact amount.
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