CTC to in-hand salary calculator
See your monthly take-home pay from CTC after PF, professional tax and income tax, in the new or old regime.
₹93,792 a month in hand
₹11,25,500 a year from a CTC of ₹12,00,000.
- Gross salary
- ₹11,64,000
- Income tax (yearly)
- ₹0
- Your PF (yearly)
- ₹36,000
- Professional tax
- ₹2,500
- In-hand: ₹11,25,500
- Income tax: ₹0
- Your PF: ₹36,000
- Employer PF + gratuity: ₹36,000
- Professional tax: ₹2,500
Estimate for a simple structure. Compare regimes in detail with the tax regime clinic.
A little guidance.
How to use CTC to in-hand salary calculator
- Enter your content or try the synthetic example.
- Review the settings and the stated limitations.
- Process, inspect the result, then choose Download or Copy.
Formats and compatibility
Text is processed locally. Downloaded output is UTF-8 unless another format is specified. See browser compatibility.
Limitations
Estimate. Assumes a simple salary structure; bonuses, variable pay, NPS and allowances change the result. Check with your payslip.
Questions, answered.
Is CTC to in-hand salary calculator free?
Yes. CTC to in-hand salary calculator is free to use with no sign-up, no watermark and no daily limit.
Is my data sent anywhere?
No. Everything you enter is processed in your browser and is not sent to a server.
Does it work on mobile phones?
Yes. It runs in any modern browser on Android, iPhone, Windows, Mac and Linux. Large files are faster on a computer.
What are the limitations?
Estimate. Assumes a simple salary structure; bonuses, variable pay, NPS and allowances change the result. Check with your payslip.
Sources and last check
We list every rate, limit and date this page relies on, where it comes from and when we last checked it. Rules change: please confirm on the official website before you act. Spotted something out of date? Tell us.
- EPF and ESI contributionsVerified 13 Oct 2026
The EPF wage ceiling rose from ₹15,000 to ₹25,000 a month in September 2026. Employers may still contribute on full basic.
- Professional tax for salaried employees (top slab, yearly)Verified 13 Oct 2026
Top-slab amounts for salaries above each state’s threshold; lower salaries pay less or nothing. Odisha abolished professional tax from 1 April 2026. The constitutional limit is ₹2,500 a year.
HROne: professional tax slab rates 2026-27 · SCC Online: Odisha abolishes professional tax
- Income tax: new regime, tax year 2026-27Verified 13 Oct 2026
The Income-tax Act 2025 applies from 1 April 2026 and uses "tax year" in place of FY/AY. Rebate (now section 156) and marginal relief apply to resident individuals.
Union Budget 2026: slabs unchanged · Rebate under section 156, Income-tax Act 2025 · Income Tax Department
- Income tax: old regime, tax year 2026-27Verified 13 Oct 2026
Deduction caps shown use the familiar limits (investments ₹1.5 lakh, home-loan interest on a self-occupied house ₹2 lakh, additional NPS ₹50,000). Section numbers changed under the 2025 Act.
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