How is in-hand salary different from CTC?

CTC is the total cost your employer pays, including PF, gratuity, and parts you never see in cash. In-hand salary is what remains after employee PF, professional tax, and income tax. The tool walks through each deduction so the gap is visible.

Does the calculator support both new and old tax regimes?

Yes. It computes take-home under both regimes using current Indian slab rates, the standard deduction, and the Section 87A rebate. HRA exemption applies only under the old regime, so enter rent to see that effect.

Is this an official tax calculation?

No. The tool uses typical rules for a salaried employee and makes assumptions about PF ceilings and gratuity. Actual payroll may differ because of employer-specific structures and state professional tax. Treat the result as an estimate.

Are my salary details stored on a server?

No. The calculation runs entirely in your browser. Inputs remain on your device and are not transmitted anywhere.

In-Hand Salary Calculator

Calculate your take-home salary from CTC with PF, gratuity, and new vs old tax regime comparison. Built for Indian professionals.

Your CTC

Monthly CTC

Basic % of CTC

HRA % of basic

PF employee %

Employer PF %

Gratuity %

City type

Monthly rent

80C investments (old regime)

Tax regime

Monthly in-hand

₹98,000

₹11,76,000 per year · after PF, tax and professional tax

PF (monthly)

₹1,800

Income tax (monthly)

₹0

Prof. tax (monthly)

₹200

Regime comparison (annual take-home)

New regime₹11,76,000

Old regime₹10,98,936

New regime saves ₹77,064 per year

HRA exemption applied: ₹16,000 / month. Taxable income: ₹9,33,000 / year. Gratuity accrues at ₹57,720 / year (paid after 5 years of service).

Your employer also contributes 12% of basic to PF — ₹1,800 / month — which is separate and not part of take-home. Estimates only — consult a CA for exact figures.

Salary Tax Playbook

Get our new-vs-old tax regime comparison sheet for FY 2025-26 with real examples.

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What problem does this solve?

An offer letter quotes a monthly CTC, but the amount that reaches your bank is smaller after PF, gratuity, HRA rules, and income tax. Guessing the gap leads to budgeting mistakes. This tool estimates monthly take-home from CTC under both the new and old Indian tax regimes.

Built for: Salaried professionals in India comparing offers or planning monthly budgets. Fresh graduates seeing their first CTC breakdown get the clearest benefit.

Worked example

Enter a monthly CTC of 150,000 INR, which is about 18 LPA.
Keep typical defaults: basic 40 percent, HRA 50 percent of basic, PF on basic, and gratuity about 4.81 percent.
Add your rent and city tier, plus any 80C investments, to unlock the HRA exemption under the old regime.
The tool returns a monthly in-hand figure under both regimes, with PF and tax shown separately.
Compare the two regime results and pick the one that leaves more in your account for your inputs.

Common questions

How is in-hand salary different from CTC?: CTC is the total cost your employer pays, including PF, gratuity, and parts you never see in cash. In-hand salary is what remains after employee PF, professional tax, and income tax. The tool walks through each deduction so the gap is visible.
Does the calculator support both new and old tax regimes?: Yes. It computes take-home under both regimes using current Indian slab rates, the standard deduction, and the Section 87A rebate. HRA exemption applies only under the old regime, so enter rent to see that effect.
Is this an official tax calculation?: No. The tool uses typical rules for a salaried employee and makes assumptions about PF ceilings and gratuity. Actual payroll may differ because of employer-specific structures and state professional tax. Treat the result as an estimate.
Are my salary details stored on a server?: No. The calculation runs entirely in your browser. Inputs remain on your device and are not transmitted anywhere.

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