In-Hand Salary Calculator — AY 2026-27
CalculatorsCTC to monthly take-home, from your actual salary components rather than a guessed split.
Take these from your offer letter or payslip. Nothing here is assumed from your CTC — employers split it differently, and guessing the basic would throw off PF, HRA and the tax together.
Paid to you, annually
Special allowance, LTA, bonus — anything paid to you.
In CTC, not in your account
Insurance premiums, meal cards, anything counted but not paid.
Deducted from your pay
From your Form 16. Left blank on purpose — this tool will not guess a figure it has not verified against the department's own document.
In hand, every month
₹93,800
₹11,25,600 a year, from a CTC of ₹13,00,860
(gross pay − your PF − professional tax − tax) ÷ 12
Standard deduction is set to zero. Enter the figure from your Form 16 to get a real answer. It is left blank rather than defaulted because we have not verified this year's amount against the department's own document, and a wrong default here would quietly overstate your tax.
- Gross salary
- ₹12,00,000
- what is actually paid to you
- basic + HRA + other allowances
- In CTC, not paid
- ₹1,00,860
- employer PF, gratuity, benefits
- CTC − gross salary
- Taxable income
- ₹12,00,000
- gross − exemptions − deductions
- Income tax
- ₹0
- 0% of taxable income
- slabs, rebate, surcharge, cess
- HRA exempt
- —
- not available in the new regime
- least of the three tests
- Tax as % of CTC
- 0%
- the number you actually feel
- total tax ÷ CTC × 100
Your PF is deducted from pay but it is still your money — it goes to your EPF account, not to the government. Take-home understates what you actually earned by exactly that amount, which is why the CTC and the in-hand figure feel so far apart.
How this is calculated
Gross salary = basic + HRA + other allowances
CTC = gross salary + employer PF + gratuity + other CTC items
Taxable income
new regime = gross - standard deduction
old regime = gross - HRA exempt - standard deduction
- professional tax - 80C/80D etc
HRA exemption (old regime only) = least of
1. HRA actually received
2. 50% of basic in a metro, 40% elsewhere
3. rent paid - 10% of basic
In hand = gross salary - your PF - professional tax - income tax
Monthly = in hand / 12Read this before you rely on the number
This is an estimate, not tax advice.
This is an estimate for a salaried individual, not tax advice. It works from the salary components you enter — it does not know your employer's structure, and it assumes nothing about how your CTC is split, because there is no standard split. It does not handle variable pay, ESOPs, perquisites, arrears, income from other sources, or a mid-year job change. The tax step uses the CBDT rate table cited below; the standard deduction is yours to supply, because that figure has not been verified here. Check with your payroll team or a chartered accountant before relying on it.
Rates taken from
- Income Tax Department (CBDT) — Tax Rates, AY 2026-27 · checked 7 September 2026
Report an error in this tool
How it works
CTC is not salary. It is what you cost your employer, and a good part of it never reaches your account: the employer's PF contribution, the gratuity accrual, insurance premiums, sometimes a notional meal card. Gross salary — basic, HRA and allowances — is what is actually paid. The gap between the two is the first reason a ₹13 lakh CTC does not feel like ₹13 lakh.
The second reason is that the split matters more than the total. Basic pay drives your PF contribution, your gratuity and the entire HRA exemption, so two offers with the same CTC and different structures produce genuinely different take-home. That is why this calculator asks for the components instead of assuming them. Every tool that guesses "basic is 50% of CTC" is guessing at the one number that moves everything else.
HRA is where the old regime earns its keep. The exemption is the least of three figures — the allowance you received, half your basic in a metro or 40% elsewhere, and the rent you paid over 10% of basic — and which one binds tells you something useful. If rent minus 10% of basic is the smallest, paying more rent increases your exemption. If 50% of basic is the smallest, it does not, and no amount of extra rent will help.
Your PF deduction is not a tax. It leaves your pay, so it reduces take-home, but it goes into your own EPF account and it is still yours. A take-home figure counts it as gone, which is right for budgeting and wrong for judging what you earn. The same money appears in both the CTC and the deduction column, which is why the two ends of a payslip feel so far apart.
Worked example
₹13,00,860 CTC — ₹6,00,000 basic, ₹3,00,000 HRA, ₹3,00,000 allowances, new regime
- Gross salary = 6,00,000 + 3,00,000 + 3,00,000 = 12,00,000
- Not paid to you employer PF 72,000 + gratuity 28,860 = 1,00,860
- CTC = 12,00,000 + 1,00,860 = 13,00,860
- Taxable = 12,00,000 (new regime, before standard deduction)
- Income tax = 0 (87A rebate covers 12,00,000 exactly)
- In hand = 12,00,000 - 72,000 PF - 2,400 PT - 0 tax
- = 11,25,600 a year, or 93,800 a month
₹93,800 a month in hand, from a ₹13,00,860 CTC — a gap of ₹1,75,260 a year
How to use it
- Pick your regime. The new one is the default for everyone unless you opt out.
- Copy the components from your offer letter or payslip — basic, HRA and allowances separately. Do not split a CTC figure yourself; the whole point is that the split is your employer's, not a formula.
- List what is in CTC but never paid to you: employer PF, gratuity, insurance.
- Enter your own PF and professional tax deductions, and your standard deduction from Form 16.
- On the old regime, add your rent and your 80C and 80D claims to see the HRA exemption and its three tests.
What this tool does not do
- The standard deduction is not filled in for you. This tool has verified the tax slabs against the CBDT document but not that figure, so it asks rather than guesses — a wrong default there would overstate your tax on every calculation.
- Salary income only. Variable pay, ESOPs, perquisites, arrears, rent received, capital gains and interest income are all outside it.
- Professional tax is state-specific and is taken as you enter it. There is no state lookup, because those rates change independently and are not in the source cited here.
- It assumes a full financial year with one employer. A mid-year change, a notice period buyout or a joining bonus will all move the real figure.
- PF is treated as a straight deduction at the amount you enter. It does not model the ₹15,000 statutory wage ceiling, VPF, or the tax on interest above the annual contribution threshold.
- Gratuity is counted in CTC and excluded from take-home. It is not paid monthly and normally becomes payable only after five years of service.
Frequently asked questions
Why is my in-hand so much lower than my CTC?
Two gaps, stacked. First, employer PF, gratuity and benefits are in the CTC but never paid to you. Then your own PF, professional tax and income tax come out of what is left. On the worked example above a ₹13,00,860 CTC becomes ₹11,25,600 in hand — and about ₹1.44 lakh of that gap is PF, which is still your money.
Why do you ask for basic separately instead of working it out from CTC?
Because there is no rule that says what basic should be. Employers set it anywhere from 30% to 60% of CTC, and it drives your PF, your gratuity and your entire HRA exemption. A calculator that assumes a split is guessing at the most important input, and will be confidently wrong for most people.
Which regime gives me more in hand?
It depends on what you can actually deduct. The new regime has wider bands and a bigger rebate but gives up HRA, 80C, 80D and most other deductions. The old regime keeps them and taxes more heavily. Run your real numbers on both tabs here — for many salaried people with a large HRA claim and a full 80C, the old regime still wins.
How is the HRA exemption calculated?
It is the least of three: the HRA you actually received, 50% of basic if you live in Delhi, Mumbai, Kolkata or Chennai (40% anywhere else), and the rent you paid minus 10% of basic. This page shows all three and marks which one binds, because that tells you whether paying more rent would help at all.
Is my PF contribution a tax?
No. It leaves your pay, so it lowers your take-home, but it goes to your own EPF account and earns interest. Your employer's matching contribution is in your CTC for the same reason. Take-home is the right number for budgeting; it understates what you actually earned.
Why is the standard deduction blank?
Because we have not verified this year's amount against the Income Tax Department's own document, and this site does not ship numbers it cannot cite. The tax slabs here are sourced and dated; the standard deduction is not, so it asks you for it. Your Form 16 has it. If you think we should have it, tell us and we will source it properly.
Does this work for a mid-year job change?
Not reliably. It assumes twelve months with one employer and one salary structure. If you changed jobs, your total taxable income for the year combines both, and the second employer usually will not have accounted for the first — which is how people end up owing tax at filing.
Is professional tax the same everywhere?
No. It is levied by states, capped at ₹2,500 a year, and several states do not charge it at all. This tool takes whatever figure you enter rather than looking it up, because state rates change independently of the central rates cited here.
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Last updated 7 September 2026.