CTC to In-Hand Salary Calculator
Enter your annual CTC to estimate your monthly take-home pay in India — with a full breakdown of PF, gratuity, HRA, professional tax and income tax under the new and old regimes.
The new regime saves you about ₹1,32,332 in tax per year.
Estimated monthly in-hand₹85,395₹10,24,740 per year · ₹91,595/mo gross
Earnings (annual)
Basic salary₹6,00,000
HRA₹3,00,000
Special allowance₹1,99,140
Gross salary₹10,99,140
Deductions (annual)
Employee PF− ₹72,000
Income tax (new regime)− ₹0
Professional tax− ₹2,400
Total deductions− ₹74,400
Employer CTC components (not in take-home)
Employer PF₹72,000
Gratuity₹28,860
Estimates use FY 2025-26 slabs and typical salary structuring. Actual pay depends on your employer's CTC structure, state professional tax and your own tax declarations. This is a general calculator, not tax or financial advice — confirm figures with your HR or a qualified advisor.