In-Hand Salary Calculator India – CTC to Take-Home (FY 2026-27)
Find out how much of your CTC actually lands in your bank account every month.
How to use: Enter your yearly CTC and the basic salary share from your offer letter. Choose how PF is calculated and your tax regime to see the monthly in-hand pay.
How to use the In-Hand Salary Calculator
Enter the yearly CTC from your offer letter and the share that is basic salary (often 40–50%; under the new labour codes wages should be at least half of pay). Choose how your employer calculates PF, enter your state’s professional tax (₹2,400 in Maharashtra and Karnataka, zero in states such as Delhi) and any variable pay that is paid separately.
How it works: employer PF and gratuity are part of CTC but never reach your account, so they are removed first to get gross salary. From gross we subtract your own 12% PF, professional tax and income tax for FY 2026-27. The new regime gives a ₹75,000 standard deduction and no tax up to ₹12 lakh taxable income; the old regime allows 80C, HRA and other deductions.
Worked example: CTC ₹12 lakh with 50% basic and PF on full basic: employer PF ₹72,000, gross ₹11,28,000, your PF ₹72,000, professional tax ₹2,400 and no income tax under the new regime. In-hand is about ₹87,800 a month. At ₹20 lakh CTC the in-hand is about ₹1,32,513 a month after ₹1,67,440 tax.
This is an estimate, not financial advice. Real payslips depend on your company’s structure and TDS. Check tax on incometax.gov.in and PF on EPFO. Updated October 2026.
Frequently asked questions
Why is my in-hand salary lower than CTC ÷ 12?
CTC includes employer PF, gratuity and sometimes bonus, insurance or meal cards that are not paid monthly. Your own PF, professional tax and income tax are also deducted.
What is the in-hand salary for 12 LPA?
About ₹87,000–₹96,000 a month under the new regime, depending on basic pay and PF. Enter your numbers for an exact estimate.
Is PF counted in my take-home?
No, but it is still your money. Both your share and your employer’s go into your EPF account and earn interest.
Which regime should I choose?
The new regime usually gives more in-hand unless your deductions (80C, HRA, home loan) are large. Use our India income tax calculator to compare both.