Salary Calculator India — CTC to In-Hand Take-Home (FY 2026-27)
Enter your annual CTC and instantly see your monthly take-home salary in India. The calculator splits your salary into basic, HRA, and bonus, then deducts PF, professional tax, and income tax under both new and old regimes (FY 2026-27). Compare both regimes side-by-side to see which one gives you a higher in-hand salary.
Disclaimer: Employers use actual pay codes, perquisites, flexi plans, and proofs. This is a simplified model (40% basic, metro/non-metro HRA %, capped EPF employee ₹1,800/month, ₹200/month PT). Verify with your offer letter and Form 16.
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New regime
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Monthly in-hand (excl. bonus)
Old regime
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Monthly in-hand (excl. bonus)
Detailed breakdown (annual)
Take-Home Salary Examples by CTC (FY 2026-27)
These illustrative examples show approximate monthly in-hand salary at common CTC levels in India under the FY 2026-27 new tax regime, assuming a standard salary structure (40% basic, metro HRA, ₹1,800/month employee PF cap, ₹200/month professional tax). Your actual numbers vary based on company structure, deductions, and city — use the calculator above for your specific case.
| CTC (Annual) | Monthly Gross | Tax (New Regime) | Monthly In-Hand |
|---|---|---|---|
| ₹6 LPA | ₹47,000 | ₹0 (rebate) | ₹44,800 |
| ₹10 LPA | ₹78,300 | ₹0 (rebate) | ₹75,300 |
| ₹15 LPA | ₹1,17,500 | ₹9,500 | ₹1,05,500 |
| ₹20 LPA | ₹1,56,700 | ₹18,000 | ₹1,35,500 |
| ₹30 LPA | ₹2,35,000 | ₹42,000 | ₹1,91,000 |
Numbers are rounded estimates for illustration. Old regime can produce different results if you have significant deductions (₹1.5L 80C, 80D health insurance, HRA, home loan interest). For exact numbers reflecting your salary structure and deductions, use the calculator above.
Pattern: Under FY 2026-27 new regime, income up to ₹12 lakh is effectively tax-free due to the enhanced Section 87A rebate. This makes the new regime significantly more attractive for CTCs up to ₹14-15 LPA. Above that, the regime decision depends on whether your combined deductions exceed roughly ₹3.75-4 lakh — read our complete old vs new tax regime guide for the break-even math.
Why CTC ≠ in-hand
CTC bundles fixed pay, allowances, employer PF, gratuity accrual, and sometimes variable pay. What you spend monthly is closer to gross minus statutory deductions and income tax — and variable bonus may hit once a year.
Components: Basic is often a large fraction of fixed pay; HRA helps with rent (exemption in old regime follows rent and salary rules — we use the classic minimum-of-three formula). Employee PF is modeled at 12% of monthly basic with a ₹1,800/month cap common when PF wage is capped at ₹15,000. Professional tax varies by state — we use ₹200/month as a common illustration.
Tax regimes: The new regime uses FY 2026-27-style slabs from our income tax calculator with standard deduction; the old regime allows 80C and other entries you specify plus eligible HRA exemption.
Negotiation tip: Compare gross fixed and net after tax when comparing offers — a higher CTC with a bigger variable component or lower basic can change take-home and PF base differently than it looks on paper.
Want pure tax calculation, not full salary breakdown?
Use the dedicated Income Tax Calculator to compare old vs new regime tax for any taxable income, with HRA, 80C, 80D, and home loan deductions.
Frequently asked questions
How is take-home salary calculated from CTC in India?
Take-home salary = CTC − Employer PF − Gratuity − Income Tax − Employee PF − Professional Tax. For an ₹10 LPA CTC, the typical breakdown is: gross around ₹9.4 LPA after removing employer contributions, then deduct income tax (varies by regime), employee PF (~₹21,600/year), and professional tax (₹2,400/year). Use this calculator to get exact numbers for your specific CTC and deduction profile.
What is the difference between CTC and in-hand salary?
CTC (Cost to Company) is the total amount your employer spends on you including employer PF contribution, gratuity, and sometimes variable pay. In-hand salary is what actually reaches your bank account each month after all deductions. The gap is typically 20-30% of CTC for salaried employees in India.
How much in-hand will I get for a ₹10 LPA CTC?
For ₹10 LPA CTC with standard structure (40% basic, metro HRA, ₹1,800/month PF cap, ₹200/month professional tax) and FY 2026-27 new regime: approximately ₹73,000–78,000 monthly in-hand. Old regime can vary based on your investments. Use the calculator above with your exact numbers for a precise estimate.
How much in-hand will I get for a ₹15 LPA CTC?
For ₹15 LPA CTC with standard salary structure in FY 2026-27 new regime: approximately ₹1,03,000–1,08,000 monthly in-hand. The new regime is usually better for ₹15 LPA earners without significant deductions. With ₹1.5L 80C + ₹50K 80D + HRA, the old regime can be competitive.
How much in-hand will I get for a ₹20 LPA CTC?
For ₹20 LPA CTC in FY 2026-27 new regime: approximately ₹1,32,000–1,38,000 monthly in-hand. At this income level, the regime decision becomes important — old regime can win with ₹2.5L+ in combined deductions (80C + 80D + HRA + home loan interest). Compare both regimes in the calculator above.
How is PF deducted from salary in India?
Employee Provident Fund (EPF) is deducted at 12% of monthly basic salary. Many employers cap PF at ₹15,000 basic, resulting in a ₹1,800/month deduction (₹21,600/year). A matching 12% is contributed by the employer separately. Your PF balance grows tax-free and is withdrawable on retirement or job change.
What is the salary breakup of an Indian payslip?
A typical Indian salary breakup includes: Basic (35-50% of CTC), HRA (40-50% of basic), Special Allowance (residual), and Bonus (variable). On the deduction side: Employee PF (12% of basic, often capped), Professional Tax (₹200/month in most states), and Income Tax (TDS based on declared regime and deductions).
What is professional tax in India?
Professional tax is a state-level tax on income from employment, typically ₹2,400 per year (₹200/month) for salaried employees in most states. Maharashtra, Karnataka, West Bengal, and Tamil Nadu have professional tax; states like Uttar Pradesh, Haryana, and Delhi do not. It's deducted from your salary monthly and is eligible as a deduction under Section 16(iii).
Why is CTC different from take-home?
CTC bundles fixed pay, allowances, employer costs, and sometimes variable pay. Take-home is what reaches your bank after PF, professional tax, income tax, and other monthly deductions you model.
Why is employee PF capped in this model?
Many Indian employers cap employee PF at twelve percent of a ₹15,000 wage ceiling (₹1,800 per month). Your employer may use a different base—adjust expectations accordingly.
Will this match my payslip exactly?
Unlikely. LTA, NPS, perquisites, flexi allowances, surcharges, cess, and state professional tax slabs can all differ. Use the tool for direction, not payroll precision.
How is HRA exemption handled for the old regime?
We apply the classic minimum-of-three formula using your entered rent, metro vs non-metro percentages of basic, and basic salary—simplified versus real rent receipts and metro definitions.
What tax year do the slabs follow?
We align with the FY 2026-27-style slab logic used on our income tax calculator page, including standard deduction where applicable.
Are salary numbers sent to your servers?
No. The calculator runs locally in JavaScript.