Pocketools

In-Hand Salary Calculator

Turn a CTC into monthly take-home pay after PF, professional tax and income tax.

Tax & Salary Runs in your browser
Your offer

Paid once a year, so it is kept out of the monthly figure.

Salary structure

Usually 40–50%. Check your offer letter.

Typically 50% in metros, 40% elsewhere.

Set by your state: ₹2,500 in Maharashtra and Karnataka, nil in Delhi.

NPS

Part of your CTC, paid into your NPS account. Tax-free up to 14% of basic (new regime) or 10% (old).

Deducted from your pay. Saves tax only in the old regime — up to ₹50,000 a year under 80CCD(1B).

Old regime extras

Besides your PF: PPF, ELSS, insurance. Total 80C is capped at ₹1.5 lakh.

Take-home pay

Enter your CTC

Your monthly in-hand salary and a full breakup of where the rest of the CTC goes appear here.

Runs entirely in your browser. Your data isn't uploaded — this page makes no network request with anything you type or upload, which you can verify in your browser's network tab. How this works.

What is the In-Hand Salary Calculator?

An in-hand salary calculator turns the CTC in an offer letter into the amount that will actually land in your bank account each month. CTC is what your employer spends on you, and part of it — the employer’s PF contribution and gratuity — never reaches your account. From what remains, employee PF, professional tax and income tax are deducted before you are paid.

Enter your CTC and, if you know it, your salary structure: basic as a share of CTC, HRA, how PF is calculated and any variable pay. The calculator builds the full breakup, works out income tax under the regime you choose for FY 2026-27 and shows your monthly take-home and annual in-hand pay. It is the quickest way to compare two offers fairly. Nothing you enter leaves your browser.

How to use it

  1. Enter your annual CTC, or tap one of the quick amounts.
  2. Add variable pay or bonus as a percentage of CTC, if your offer has one.
  3. Adjust basic, HRA and PF to match your offer letter, or keep the typical defaults.
  4. Choose the tax regime; for the old regime, add your rent and other 80C investments.
  5. Read your monthly in-hand pay, the payslip breakdown and the annual CTC breakup.

Example

A ₹12 lakh CTC with 40% basic, 50% HRA and PF at 12% of basic, new regime.

Offer
CTC:     ₹12,00,000
Basic:   40% of CTC
HRA:     50% of basic
PF:      12% of basic
Take-home
Gross monthly salary:  ₹95,200
Employee PF:           ₹4,800
Professional tax:      ₹200
Income tax:            ₹0
In-hand a month:       ₹90,200

Features

  • CTC to monthly and annual take-home in one step
  • Employer and employee PF at 12% of basic, or on the ₹15,000 wage ceiling
  • Optional gratuity at 4.81% of basic inside the CTC
  • Income tax under the new or old regime for FY 2026-27
  • HRA exemption from rent under the old regime
  • Employer NPS under 80CCD(2) and your own NPS contribution under 80CCD(1B)
  • Variable pay kept out of the monthly figure and taxed separately
  • Full monthly payslip and annual CTC breakup

Frequently asked questions

Why is my in-hand salary so much lower than my CTC?
CTC includes things you never receive as monthly pay: the employer’s PF contribution, gratuity, and variable pay that depends on performance and arrives once a year. Your own PF contribution, professional tax and income tax are then deducted from what is left. On a ₹12 lakh CTC with 40% basic, take-home is about ₹90,200 a month under the new regime.
How is PF calculated on salary?
Both you and your employer contribute 12% of your basic salary (plus DA). Many employers cap this at 12% of ₹15,000 — ₹1,800 a month each — which is the legal minimum; choose that option if your offer says so. A higher basic therefore means more PF savings but a lower monthly take-home.
Which tax regime gives a higher in-hand salary?
For most salaries the new regime does, because its rates are lower and income up to ₹12.75 lakh is tax-free for salaried employees. The old regime can win if you pay high rent in a metro and claim a full 80C. Switch the regime to compare, or use the Income Tax Calculator for every deduction.
Is the result exactly what my payslip will show?
It should be close. Payslips differ when employers include meal cards, fuel or phone reimbursements, LTA or insurance premiums in the CTC, or spread TDS unevenly through the year.
How does NPS change my in-hand salary?
Employer NPS is part of your CTC and goes straight into your NPS account, so it never reaches your bank — but it is tax-free up to 14% of basic in the new regime and 10% in the old, which lowers your tax. Your own NPS contribution is deducted from your pay; it saves tax only in the old regime, up to ₹50,000 a year under Section 80CCD(1B) on top of the ₹1.5 lakh 80C limit.
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