In-Hand Salary Calculator

Convert CTC to monthly in-hand salary after PF, professional tax and income tax, with the full deduction breakdown.

40% is the common structure; PF and gratuity follow basic
Maharashtra ₹200 · many states ₹200 or nil

Old-regime deductions

used only when old is selected
HRA, 80D, NPS — sum of what you claim
Monthly in-hand
—
Monthly gross salary—
Employee PF / month—
Professional tax / month—
Income tax / month—
Annual income tax—
Employer PF (in CTC)—
Gratuity (in CTC)—
Taxable income—
In-hand as % of CTC—

Methodology & assumptions

how this number is produced

CTC → basic (40%) → employer PF 12% + gratuity 4.81% → gross → tax (both regimes) → in-hand = gross − employee PF − prof tax − tax

Assumptions

  • CTC treated as inclusive of employer PF and gratuity (the standard Indian structure)
  • PF at 12% of basic on both sides — the ₹1,800 statutory ceiling is NOT applied (most employers above the ceiling pay on actual basic)
  • Professional tax default ₹200/month (Maharashtra); set it to your state's figure
  • Slabs and rebate from tax-slabs.json — FY 2026-27 (AY 2027-28)
  • Bonus, variable pay, LTA reimbursement and ESIC are excluded — salary structures vary

Limitations

  • Indicative only — your employer's payroll may differ (PF ceiling election, reimbursement timing, employer PF policy)
  • HRA/other exemptions entered as totals; the calculator does not recompute them from components
  • Not tax advice; verify against Form 16 / the Income Tax portal

Results are informational estimates produced by MyCapitalverse's own models. They are not financial advice and may differ from how a lender, insurer or authority computes the same figure.

Verified 2026-09Next review: 2027-02-28incometaxindia.gov.in →Verify current terms before applyingReport outdated info

How to use the In-Hand Salary calculator

  1. Enter annual CTC and basic salary share.
  2. Choose the tax regime.
  3. Read monthly in-hand pay and each deduction.

About this tool

CTC includes employer PF, gratuity and other items you never see monthly. This strips them out to show what reaches your bank account.

Built and reviewed by Savitar Finance (savitarfinance@gmail.com). Rules and rates last checked October 2026. How we calculate · Report a problem

Questions people ask

How is in-hand salary calculated from CTC?

In-hand = CTC − employer PF − gratuity − employee PF − professional tax − income tax, divided by 12.

Why is my in-hand much lower than CTC ÷ 12?

Employer PF and gratuity are part of CTC but not paid monthly, and employee PF and TDS are deducted every month.