CTC to In-Hand Salary Calculator

Calculate Your Exact Take-Home Salary in India (2026)

✓ New & Old Tax Regime Comparison   ✓ All States Supported   ✓ 100% Free

Enter Your Salary Details

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Enter your total annual CTC

Typically 10-20% of CTC is variable pay

Your Salary Breakup

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Enter your CTC and click calculate to see your in-hand salary breakdown

Understanding CTC vs In-Hand Salary

What is CTC?

CTC (Cost to Company) is the total amount a company spends on you annually. It includes:

  • ✓ Basic Salary - Usually 40-50% of CTC
  • ✓ HRA - House Rent Allowance (40-50% of basic)
  • ✓ Special Allowance - Remaining amount
  • ✓ Employer PF - 12% of basic (company's contribution)
  • ✓ Variable Pay/Bonus - Performance-based (10-20%)
  • ✓ Insurance - Health/Life insurance premiums

What is In-Hand Salary?

In-Hand Salary (Take-Home Pay) is what you actually receive in your bank account after deductions:

  • − Employee PF - 12% of basic (your contribution)
  • − Professional Tax - ₹200/month (varies by state)
  • − Income Tax (TDS) - Based on tax slab
  • − Other Deductions - Insurance, loans, etc.

💡 Rule of Thumb: In-hand salary is typically 70-85% of CTC depending on your salary level and deductions.

CTC to In-Hand Quick Reference (2026)

Annual CTC Monthly CTC Approx. In-Hand (Monthly) % of CTC
₹4,00,000 (4 LPA) ₹33,333 ₹28,000 - ₹30,000 ~85%
₹6,00,000 (6 LPA) ₹50,000 ₹42,000 - ₹44,000 ~84%
₹8,00,000 (8 LPA) ₹66,667 ₹55,000 - ₹58,000 ~82%
₹10,00,000 (10 LPA) ₹83,333 ₹68,000 - ₹72,000 ~81%
₹12,00,000 (12 LPA) ₹1,00,000 ₹80,000 - ₹85,000 ~80%
₹15,00,000 (15 LPA) ₹1,25,000 ₹95,000 - ₹1,00,000 ~76%
₹20,00,000 (20 LPA) ₹1,66,667 ₹1,20,000 - ₹1,28,000 ~72%
₹25,00,000 (25 LPA) ₹2,08,333 ₹1,45,000 - ₹1,55,000 ~70%

* Approximate values under New Tax Regime 2026. Actual amounts may vary based on company structure and deductions.

Income Tax Slabs 2026 (New Regime)

Income Slab Tax Rate
Up to ₹3,00,000 Nil
₹3,00,001 - ₹7,00,000 5%
₹7,00,001 - ₹10,00,000 10%
₹10,00,001 - ₹12,00,000 15%
₹12,00,001 - ₹15,00,000 20%
Above ₹15,00,000 30%

✨ Standard Deduction: ₹75,000 available under New Tax Regime 2026

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Frequently Asked Questions

What percentage of CTC is in-hand salary?
Generally, in-hand salary is 70-85% of CTC. For lower salaries (below 7 LPA), it's around 82-85% due to lower tax. For higher salaries (15+ LPA), it drops to 65-72% due to higher income tax.
Is employer PF part of CTC?
Yes, employer's PF contribution (12% of basic) is typically included in CTC. This is money the company pays on your behalf but you only receive it when you withdraw PF. This is why your in-hand is lower than CTC.
What is the in-hand salary for 12 LPA in India?
For a 12 LPA CTC in India (2026), the approximate in-hand salary is ₹80,000 - ₹85,000 per month under the new tax regime. This assumes standard CTC structure with 12% PF and professional tax deductions.
Which tax regime should I choose - New or Old?
New Regime is better if: You have minimal deductions (no home loan, limited 80C investments)

Old Regime is better if: You have HRA exemption + home loan interest + 80C (₹1.5L) + 80D (₹50K) totaling more than ₹3-4 lakhs in deductions.
What is Professional Tax and which states have it?
Professional Tax is a state-level tax on salaried individuals, capped at ₹2,500/year. States like Maharashtra, Karnataka, Tamil Nadu, West Bengal levy it. States like Delhi, UP, Haryana, Rajasthan don't have professional tax.