What is in-hand salary?
In-hand (or take-home) salary is what reaches your bank account each month. It is your gross salary minus your own PF contribution, professional tax and the income tax your employer deducts (TDS). CTC is larger because it also counts money your employer spends on you that you don’t receive monthly: employer PF, gratuity and variable pay.
How to use this calculator
- Enter your annual CTC, or drag the slider.
- Add any variable pay that is part of the CTC and how often it is paid.
- Pick your state so professional tax is included.
- Open “Salary assumptions” to match your offer letter: basic %, PF and gratuity.
- Compare the new and old regime tabs; old-regime deductions go in their own section.
In-hand salary at common CTCs
Monthly in-hand with the default assumptions, no variable pay and no professional tax.
| CTC | New regime | Old regime (no deductions) | Yearly tax (new) |
|---|---|---|---|
| ₹6,00,000 | ₹42,798 | ₹42,798 | ₹0 |
| ₹8,00,000 | ₹57,064 | ₹53,645 | ₹0 |
| ₹10,00,000 | ₹71,330 | ₹64,943 | ₹0 |
| ₹12,00,000 | ₹85,596 | ₹76,242 | ₹0 |
| ₹15,00,000 | ₹1,00,509 | ₹91,163 | ₹77,830 |
| ₹20,00,000 | ₹1,29,540 | ₹1,15,700 | ₹1,57,440 |
| ₹25,00,000 | ₹1,56,336 | ₹1,40,238 | ₹2,63,870 |
| ₹30,00,000 | ₹1,80,895 | ₹1,63,995 | ₹3,97,140 |
In-hand salary by CTC
Detailed breakdowns, with both regimes, PF and professional tax by state:
- ₹15,000 a month
- ₹20,000 a month
- ₹25,000 a month
- ₹30,000 a month
- ₹4 LPA
- ₹35,000 a month
- ₹40,000 a month
- ₹5 LPA
- ₹45,000 a month
- ₹6 LPA
- ₹7 LPA
- ₹60,000 a month
- ₹8 LPA
- ₹70,000 a month
- ₹9 LPA
- ₹80,000 a month
- ₹10 LPA
- ₹11 LPA
- ₹12 LPA
- ₹13 LPA
- ₹14 LPA
- ₹15 LPA
- ₹16 LPA
- ₹18 LPA
- ₹20 LPA
- ₹22 LPA
- ₹25 LPA
- ₹30 LPA
- ₹35 LPA
- ₹40 LPA
How in-hand salary is worked out
Your CTC is split into fixed pay and variable pay. Fixed pay is divided into basic, HRA and a special allowance after setting aside the employer’s PF, gratuity and any employer NPS. Your gross salary is basic + HRA + special allowance. Your monthly in-hand is gross salary minus your PF, professional tax and income tax.
In-hand = (Basic + HRA + Special) − Employee PF − Professional tax − Income tax ÷ 12
PF wage = max(Basic, 50% of gross) · PF = 12% × PF wage (or of ₹25,000 if capped)
Gratuity in CTC = PF wage × 15 ÷ 26 per year of service
Worked example: ₹12 lakh CTC in Bengaluru
Assumptions: no variable pay, basic 50% of CTC, HRA 40% of basic, employer PF and gratuity inside CTC, PF on full wages, new regime.
| Basic | ₹50,000 a month |
| HRA | ₹20,000 |
| Employer PF (12% of ₹50,000) | ₹6,000 |
| Gratuity (15/26 of a month’s wages ÷ 12) | ₹2,404 |
| Special allowance (balance) | ₹21,596 |
| Gross salary | ₹91,596 |
|---|---|
| Taxable income: ₹10,99,154 − ₹75,000 standard deduction | ₹10,24,154 a year |
| Income tax (rebate under s.156 covers it) | ₹0 |
| Your PF and Karnataka professional tax | −₹6,000 and −₹200 |
| Monthly in-hand | ₹85,396 |
Assumptions you can change
- Basic and HRA shares. Companies set these; check your offer letter. Defaults: basic 50% of fixed CTC, HRA 40% of basic.
- Employer PF in CTC. Most private employers include it. PF is 12% of the PF wage, or 12% of ₹25,000 if your employer caps it at the statutory ceiling (₹15,000 before 17 September 2026).
- Labour Code wage rule. On by default, because it is the law from 21 November 2025. Turn it off if your employer still calculates PF on basic only.
- Gratuity in CTC. On by default. Many employers show it in CTC even though it is paid only when you leave after five years.
- Professional tax. Only states whose rates we have checked against the state’s official schedule are listed. It is deductible only under the old regime.
What this calculator does not include
Reimbursements, meal cards, perquisites such as a company car, interest on PF above ₹2.5 lakh of your own contributions a year, and income other than salary. Monthly TDS is shown as an even split of the year’s tax; your employer may deduct more in some months.