India Tax & Finance

CTC to in-hand salary calculator

Enter your annual CTC. We split it into basic, HRA and special allowance, take out PF, professional tax and tax, and show what lands in your account each month.

Free, no sign-up
Runs in your browser
Nothing uploaded

Package

Annual CTC

Basic as % of CTC

Usually 40% to 50%.

HRA as % of basic

Employer PF is part of my CTC

PF is on the ₹25,000 wage ceiling

PF: 12% of basic, capped at the ₹25,000 monthly wage ceiling when ticked (from 17 Sep 2026). Untick if PF is 12% of the full basic.

Gratuity (4.81% of basic) is part of my CTC

Gratuity provision: 4.81% of basic (15 days' wages ÷ 26 working days, per year). Under the labour codes it is worked on "wages", which can be higher than basic.

Employer-paid insurance per year (optional)

Deductions

Professional tax per month

Set by your state; many states charge up to ₹200 a month.

Tax regime

New regimeOld regime

Other 80C investments (now section 123) per year (old regime)

Employee PF is counted automatically. Total 80C (now section 123 of the Income-tax Act, 2025) is capped at ₹1,50,000.

HRA exemption per year (old regime)

Use the HRA calculator.

Result

Estimate only, not tax or legal advice. Tax rules, rates and limits change and depend on your own situation. Verify this result with a qualified tax professional or the official tax authority before you file, pay or decide.

What the CTC to in-hand calculator shows

Cost to company (CTC) is everything your employer budgets for you in a year, including money that never reaches your bank account. This calculator splits an annual CTC into basic, HRA and a balancing special allowance, sets aside the employer-side items you tick, then subtracts employee PF, professional tax and an income-tax estimate for Tax Year 2026-27 to give a monthly take-home figure and a breakup you can download as CSV.

Basic = CTC × basic %; HRA = basic × HRA %
Special allowance = CTC − basic − HRA − employer PF − gratuity − insurance
Take-home = gross salary − employee PF − professional tax − income tax

How to use it

Type the annual CTC and set basic and HRA percentages to match your salary annexure.
Tick the employer PF, wage-ceiling and gratuity options that match your offer.
Enter professional tax from a payslip and pick a regime; for the old regime add 80C investments and HRA exemption.

Worked example: ₹12 lakh CTC

With the default settings (basic 40%, HRA 50% of basic, PF on the ₹25,000 wage ceiling, professional tax ₹200, new regime), a ₹12,00,000 CTC gives basic ₹40,000, HRA ₹20,000 and special allowance ₹35,076 a month: gross ₹95,076. After employee PF of ₹3,000 and professional tax, with nil income tax, take-home is about ₹91,876. Employer PF (₹3,000) and gratuity (₹1,924) stay inside CTC.

In the old regime, with ₹50,000 of other 80C and a ₹1,20,000 HRA exemption, tax is ₹7,714 a month and take-home about ₹84,162. At ₹18,00,000 CTC in the new regime, monthly TDS is ₹11,342 and take-home about ₹1,29,572.

When to use it, and what it simplifies

Use it to compare offers. Variable pay, bonuses and reimbursements are not modelled, and actual TDS depends on your declarations.

Under the Code on Wages, 2019, in force since 21 Nov 2025, if allowances outside "wages" (basic, dearness and retaining allowance) exceed 50% of total remuneration, or a percentage the government notifies, the excess is added back to wages. The calculator does not apply this rule, so if your basic is under half your pay, PF and gratuity may be worked out on a higher figure, subject to the final rules.

Gratuity now falls under the Code on Social Security, 2020. The 4.81% of basic used here is an accounting convention employers use for CTC, not a legal rate.

Frequently asked questions

Why is income tax nil on a ₹12 lakh CTC?

Gross salary minus the ₹75,000 new-regime standard deduction (section 19 of the Income-tax Act, 2025) is about ₹10.7 lakh, and the rebate under section 156 (earlier section 87A) cancels slab tax for a resident individual with taxable income up to ₹12,00,000. Special-rate income, such as some capital gains, is not covered.

Does the tax estimate include cess and surcharge?

Yes, it adds the 4% health and education cess and, on very high incomes, surcharge, which is capped at 25% in the new regime.

Which regime should I pick?

Run both; the old regime helps only when your deductions are large.

Privacy

Your inputs are processed by your browser and are not sent to BeginThings. Your CTC and breakup stay on screen until you copy or download them.

Sources

Ministry of Labour and Employment, Notification S.O. 5109(E), 17 Sep 2026: EPF wage ceiling of ₹25,000 a month
Income-tax Act, 2025 (Gazette of India): section 19 (standard deduction), section 156 (rebate), section 202 (new-regime slabs)
Finance Act, 2026, section 3: surcharge and 4% health and education cess for Tax Year 2026-27
Ministry of Labour and Employment, FAQs on Labour Codes: definition of wages and the 50% rule

Last checked: 25 Oct 2026, for the EPF wage ceiling, tax limits and Labour Code rules described above.