In-hand Salary Calculator
India · FY 2025-26Follow the money from CTC through PF, professional tax and income tax to your real monthly take-home.
Your package
Basic is usually 40–50% of CTC; PF and gratuity are based on it.
Deductions only affect the old-regime take-home. The new regime uses a flat ₹75,000 standard deduction.
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₹1.00 L
You keep 80% of your CTC — ₹12.04L/yr in the bank
Where every ₹100 of CTC goes
Reaches your bank
80%
- Take-home80%
- EPF (both sides)12%
- Income tax5%
- Other (gratuity, prof. tax)3%
The new regime leaves you ₹93,432 more a year — about ₹7,786/mo more in-hand.
A planning estimate for FY 2025-26 — allowances, NPS, insurance and variable pay shift the real figure. Not a payslip.
CTC − employer PF − your PF − tax − other = take-home. Each step peels a slice off your ₹15.00 L CTC.
₹90,000
6% of CTC
₹90,000
6% of CTC
₹77,832
5% of CTC
₹38,475
3% of CTC
₹12.04 L
80% of CTC
Salary breakup (annual)
How your ₹15.00 L CTC is structured into components.
50% of CTC · drives PF & gratuity
~50% of basic (metro convention)
balancing component of gross
12% of basic · into your PF
~4.81% of basic · paid on exit
Monthly CTC
₹1.25L
Monthly gross
₹1.14L
Monthly tax + PF
₹14.2K
Monthly in-hand
₹1.00L
CTC to in-hand, line by line
Every step from your ₹15.00 L CTC down to monthly take-home, under the new regime.
| Step | Annual | Monthly | Note |
|---|---|---|---|
| Annual CTC | ₹15.00 L | ₹1.25 L | what the offer letter says |
| − Employer PF | −₹90,000 | −₹7,500 | 12% of basic · into your PF |
| − Gratuity provision | −₹36,075 | −₹3,006 | ~4.81% of basic · paid on exit |
| = Gross salary | ₹13.74 L | ₹1.14 L | what your payslip starts from |
| − Your PF | −₹90,000 | −₹7,500 | 12% of basic · into your PF |
Same gross salary, taxed two ways. The old regime needs your deductions to compete.
New regime
More in-hand₹1.00L/mo
₹12.04L/yr take-home · tax ₹77.8K
Old regime
₹92.5K/mo
₹11.10L/yr take-home · tax ₹1.71L · ₹1.50 L deductions
The new regime leaves you ₹93,432 more a year — about ₹7,786/mo more in-hand.
Raise your old-regime deductions in the planner to find the break-even point for your own case. These are estimates for FY 2025-26, not tax advice.
Salary growth simulator
If your CTC rose by a given raise, here's the new take-home (same basic %, new regime).
| Raise | New CTC | Monthly in-hand | Extra/mo |
|---|---|---|---|
| Now | ₹15.00 L | ₹1.00 L | — |
| +5% | ₹15.75 L | ₹1.05 L | +₹4,457 |
| +10% | ₹16.50 L | ₹1.09 L | +₹8,913 |
| +15% | ₹17.25 L | ₹1.14 L | +₹13,370 |
| +20% | ₹18.00 L | ₹1.18 L | +₹17,827 |
Negotiation impact
Compare an offered CTC against your current — and see how much of the raise actually reaches your bank.
Current in-hand
₹1.00 L/mo
Offered in-hand
₹1.18 L/mo
CTC vs take-home, at a glance
Monthly in-hand at different CTC levels, with your current basic % and the new regime.
| Annual CTC | Annual in-hand | Monthly in-hand | % of CTC |
|---|---|---|---|
| ₹6.00 L | ₹5.11 L | ₹42,598 | 85% |
| ₹10.00 L | ₹8.54 L | ₹71,129 | 85% |
| ₹15.00 L· you | ₹12.04 L | ₹1.00 L | 80% |
| ₹20.00 L | ₹15.52 L | ₹1.29 L | 78% |
| ₹30.00 L | ₹21.68 L | ₹1.81 L | 72% |
| ₹50.00 L | ₹33.09 L | ₹2.76 L | 66% |
- PF (both sides) builds ₹91.78 L in 20y.
- 80% of CTC reaches your bank as take-home.
EPF wealth builder
Your PF isn't lost — ₹1.80 L a year (both sides) compounds at 8.25%. Here's the corpus it builds (flat contribution, no hikes).
In 10 years
₹28.02 L
contributed ₹18.00 L · grew ₹10.02 L
In 20 years
₹91.78 L
contributed ₹36.00 L · grew ₹55.78 L
In 30 years
₹2.37 Cr
contributed ₹54.00 L · grew ₹1.83 Cr
This assumes today's basic stays flat — with annual salary hikes the corpus is materially larger. EPF is tax-free at maturity (EEE). Annual EPF (your share): ₹90,000.
Monthly take-home, budgeted
A suggested 50/20/15/10/5 split of your ₹1.00 L monthly in-hand — a planning guide, not a deduction.
Monthly in-hand
₹1.00 L
- Needs (rent, food, bills)50%
- Savings & investments20%
- Wants (lifestyle)15%
- EMI capacity10%
- Emergency buffer5%
Suggested monthly allocation
Aim to keep total EMIs within the EMI-capacity slice and always fund the savings slice first — pay yourself before you spend.
What this means
On a ₹15.00 L CTC, about ₹1.26 L never reaches your payslip (employer PF + gratuity), and another ₹1.70 Lis taken from your salary. What's left is ₹1,00,308/mo — 80% of CTC. The new regime is the better choice for these inputs.
Key takeaways
- Monthly in-hand: ₹1.00 L (new regime)
- In-hand as % of CTC: 80%
- Income tax: ₹77,832/yr
- Total PF (both sides): ₹1.80 L/yr
- Better regime here: new (by ₹93,432/yr)
What this number assumes
PF & gratuity sit in CTC
Employer PF (12% of basic) and a ~4.81% gratuity provision are part of CTC but never paid to you as cash.
Slab tax, FY 2025-26
Income tax on the new regime — new uses a ₹75k standard deduction; old uses ₹50k plus the deductions you enter.
Professional tax assumed
We assume ₹2,400/yr; a few states don't levy it, so your in-hand may be slightly higher.
Retirals aren't lost
Your PF and the employer's both build a retirement corpus that earns interest — deferred savings, not take-home.
Both regimes computed
We run the same gross through both regimes so you can pick whichever leaves more in-hand.
A planning ballpark
Allowances, NPS, insurance, reimbursements and variable pay all shift the real figure — confirm against your payslip.
Open a zero-balance savings account online
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Your take-home: about ₹1,00,308/mo — put the savings slice to work.
Plan the rest of your money life
Dig into the tax, HRA, gratuity and PF numbers behind your take-home.
An estimate, not advice. We assume basic = your chosen % of CTC, employer and employee PF at 12% of basic each, a gratuity provision of ~4.81% of basic inside CTC, professional tax of ₹2,400/yr, and slab income tax for FY 2025-26 (new regime ₹75,000 standard deduction; old regime ₹50,000 plus the deductions you enter). Real structures vary — allowances, NPS, insurance, reimbursements and variable pay all change take-home, and tax rules change year to year. Confirm against your offer letter and payslip before relying on any figure.
How in-hand salary is calculated
In-hand = (CTC − employer PF − gratuity) − your PF − prof. tax − income tax
- CTC
- annual cost to company (the offer figure)
- employer PF
- 12% of basic, inside CTC but not paid as cash
- gratuity
- ~4.81% of basic provision, inside CTC
- your PF
- 12% of basic, deducted from salary
- income tax
- slab tax on gross under the chosen regime
Worked example
With your inputs — a ₹15.00 L CTC with basic at 50%: basic is ₹7.50 L, so employer PF (₹90,000) and a gratuity provision (₹36,075) come out of CTC to reach a gross salary of ₹13.74 L. From gross we remove your PF (₹90,000), professional tax (₹2,400) and new-regime income tax (₹77,832), leaving an annual in-hand of about ₹12.04 L — roughly ₹1.00 L a month, or 80% of CTC.
In-hand salary questions
CTC bundles costs that never reach your bank account — the employer's PF contribution and a gratuity provision both sit inside CTC. On top of that, your own PF, professional tax and income tax are deducted from your salary. What's left is the in-hand. This calculator shows a reasonable estimate, but allowances, NPS, insurance and variable pay in your actual structure will shift the number.
No. Both PF contributions (yours and the employer's) build a retirement corpus that earns interest, and gratuity is paid out when you leave after qualifying service. They lower your monthly cash flow but aren't gone — they're deferred savings rather than take-home pay.
Professional tax is a state levy, so it depends on where you work — a few states don't charge it, and the amount caps around ₹2,500/yr where they do. We assume ₹2,400/yr as a typical figure. If your state doesn't levy it, your in-hand will be slightly higher than shown.
We show both. The new regime has a higher standard deduction (₹75,000) and a wide 87A rebate but allows no other deductions, so it wins for most people who don't invest heavily for tax. The old regime can beat it if you claim large deductions — 80C, HRA, home-loan interest. Enter your expected old-regime deductions to see which leaves more in-hand for your specific case.
It's a planning ballpark, not a payslip. We model the common building blocks — basic as a share of CTC, 12% PF on both sides, a 4.81% gratuity provision, professional tax and slab-based income tax for FY 2025-26. Real offers vary with allowances, NPS, insurance, reimbursements, joining bonuses and variable pay, and tax rules change. Always confirm against your actual offer letter and payslip.
The complete guide to in-hand salary
Why CTC is not your salary
In-hand salary — also called take-home pay — is the amount that actually reaches your bank account each month. It sits well below your CTC because cost-to-company includes the employer's PF contribution and a gratuity provision you never see as cash, and because your own PF, professional tax and income tax are deducted before payout. On this ₹15.00 L CTC, only about 80% of the headline reaches you as take-home.
How we get from CTC to take-home
We assume basic is 50% of CTC, then remove the employer PF (12% of basic) and a gratuity provision of about 4.81% of basic to reach gross salary of ₹13.74 L. From gross we deduct your own PF (another 12% of basic), professional tax of ₹2,400 a year, and income tax on the slabs — leaving an annual in-hand of ₹12.04 L, or about ₹1.00 L a month.
Old regime vs new regime
The new regime gives a higher standard deduction (₹75,000) and a generous 87A rebate but allows no other deductions, which makes it the simpler, usually-better default for people who don't invest heavily for tax. The old regime can win if you claim large deductions — 80C investments, HRA exemption, home-loan interest. For these inputs, the new regime leaves more in-hand — by about ₹93,432 a year. Enter your own expected deductions to find your break-even point. These are estimates, not tax advice.
PF and gratuity aren't lost money
The biggest reason in-hand looks low is that retirals — PF and gratuity — are bundled into CTC. They lower your monthly cash flow, but they aren't gone: PF builds a retirement corpus that earns interest, and gratuity is paid out when you leave after qualifying service. Here ₹2.16 L a year is deferred savings rather than take-home — money working for your future self instead of your monthly budget.
Negotiating a raise
Not every rupee of a CTC hike reaches your bank — part of any increase flows into PF, gratuity and a higher tax slab. Use the negotiation tool above to see the real take-home increase on an offer, and remember that a structure with a lower basic can sometimes raise in-hand at the cost of smaller retirals.
Treat the number as a planning ballpark
Real payslips vary. Allowances, NPS, insurance, reimbursements, joining bonuses and variable pay all shift the figure, professional tax differs by state, and tax rules change year to year. Use this as a clear starting estimate when you weigh an offer or plan a budget, then confirm the exact structure with your employer and your actual payslip — these are projections to inform a decision, not a final figure or advice.