In-Hand Salary Calculator

Break your CTC down into monthly take-home salary — with a full split of basic, HRA, PF, gratuity and tax for FY 2025-26.

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Your package

Total cost to company for the year, as on your offer letter.

Usually 40–50% of CTC.

Often 50% (metro) or 40%.

Provident Fund

Tax regime

The New regime is the default for most people and needs no proofs.

Old-regime exemptions Old regime only

These lower your Old-regime tax. Leave blank if they don't apply.

For your HRA exemption.

PPF, ELSS, insurance. Your PF counts too.

Health insurance premium.

Delhi, Mumbai, Kolkata or Chennai (50% HRA cap).

How this works

Your CTC is split into salary components, then statutory deductions and income tax are taken off to reveal what actually reaches your bank account.

1

Split the CTC

We derive Basic (a % of CTC) and HRA (a % of Basic), set aside employer PF and gratuity, and put the rest into special allowance.

2

Find your gross

Basic + HRA + special allowance is your gross (payslip) salary — the part that's actually payable to you each month, before deductions.

3

Subtract deductions

Employee PF, professional tax and income tax (under your chosen regime) come off the gross to leave your net in-hand salary.

The assumptions we use

Salary structure

Basic% of CTC (you set)
HRA% of Basic (you set)
Employee PF12% of Basic
Employer PF12% of Basic
Gratuity accrual4.81% of Basic
Professional tax₹2,400 / year
Special allowancethe balancing figure

Income tax (FY 2025-26)

Tax is computed on your gross salary after the standard deduction (₹75,000 New, ₹50,000 Old) and, in the Old regime, your HRA exemption plus 80C/80D. We apply the correct slabs, the Section 87A rebate (zero tax up to ₹12,00,000 taxable in the New regime), surcharge with marginal relief and a 4% Health & Education cess.

Your employee PF automatically counts toward the ₹1,50,000 80C limit in the Old regime, so you don't need to enter it twice.

Assumes a resident individual below 60 years of age. Employer PF is treated as 12% of basic (many firms cap PF at the ₹15,000/month wage ceiling, i.e. ₹1,800/month). Variable pay, LTA, NPS and food/telecom allowances aren't modelled. This is an estimate to help you plan — confirm the exact figures with your HR or a tax professional.

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Frequently Asked Questions

Why is my in-hand salary so much lower than my CTC? ▼
CTC (Cost to Company) is everything your employer spends on you — including money you never see in your bank account. Employer PF, gratuity accrual, and sometimes insurance premiums are part of CTC but are not paid to you monthly. On top of that, your payslip loses employee PF, professional tax and income tax before the balance is credited. That gap is why take-home is typically 70–88% of a salaried CTC.
What is the difference between employer PF and employee PF? ▼
Both are 12% of your basic salary. Employee PF is deducted from your gross salary, so it reduces your take-home (but it is your money, growing in your EPF account). Employer PF is contributed by your company on top of your salary and is usually counted inside your CTC — it goes straight to your EPF account and never appears on your payslip. Both together build your retirement corpus.
Is gratuity part of my monthly salary? ▼
No. Gratuity is a lump sum paid only when you leave after completing 5 years of service. Many companies show a gratuity accrual (about 4.81% of basic) inside your CTC, but it is not paid monthly and does not affect your in-hand salary. This calculator separates it out so your CTC adds up correctly without inflating your take-home.
How is the HRA exemption calculated in the Old regime? ▼
If you pay rent and choose the Old regime, part of your HRA is tax-free. The exemption is the least of three amounts: (1) the actual HRA you receive, (2) rent paid minus 10% of your basic salary, and (3) 50% of basic if you live in a metro (Delhi, Mumbai, Kolkata, Chennai) or 40% otherwise. The New regime does not allow any HRA exemption.
Which tax regime gives a higher take-home salary? ▼
It depends on your deductions. The New regime has lower slab rates and a ₹75,000 standard deduction, and charges zero tax up to ₹12,00,000 of taxable income (via the Section 87A rebate) — so it usually wins for people who don't claim much. The Old regime can win if you have large HRA exemption, an 80C investment, home-loan interest and health insurance. This tool shows your in-hand under both, so you can pick the one that leaves more in your pocket.
How accurate is this take-home estimate? ▼
The tax maths (slabs, Section 87A rebate, surcharge with marginal relief and 4% cess for FY 2025-26) is precise for a resident individual under 60. The salary split uses common assumptions — basic as a % of CTC, HRA as a % of basic, PF at 12% of basic and gratuity at 4.81%. Real offer letters vary (LTA, food allowance, NPS, a ₹15,000 PF wage ceiling, variable pay), so treat this as a close estimate and confirm the exact numbers with your HR or a tax professional.

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