Salary Calculator
Annual CTC
Salary Structure
Tax & Deductions
Enter your CTC and tap
Calculate Salary
India Salary Calculator — CTC to In-Hand
Our salary calculator helps Indian employees understand their take-home salary from their Cost to Company (CTC). Many employees are surprised to find that their in-hand salary is significantly lower than their CTC — typically between 65% and 75% of CTC depending on their salary structure, tax regime and applicable deductions.
Key components that reduce your CTC to in-hand pay include: Employee PF contribution (12% of basic), Professional Tax (state-specific), and Income Tax (TDS deducted monthly by employer). Understanding these deductions helps you plan your finances better and negotiate more effectively during job changes.
New vs Old Tax Regime — Which is Better?
| Gross salary (FY 2026-27) | New Regime Tax | Old Regime Tax* | Better Choice |
|---|---|---|---|
| Up to ₹12.75 Lakh | ₹0 (rebate) | ₹1,87,200 | New Regime |
| ₹15 Lakh | ₹97,500 | ₹2,57,400 | New unless deductions exceed ~₹5.4L |
| ₹20 Lakh | ₹1,92,400 | ₹4,13,400 | New Regime usually |
| ₹25 Lakh | ₹3,19,800 | ₹5,69,400 | New Regime usually |
Tax includes 4% cess. *Old regime figures use only the ₹50,000 standard deduction; 80C, HRA and other deductions lower them. For surcharge on income above ₹50 lakh and a full deduction-by-deduction comparison, use our income tax calculator.
Read our guide: New vs old tax regime FY 2026-27 – which is better at your salary?.
Frequently Asked Questions
What is the in-hand salary for 6 LPA CTC?
For a ₹6 LPA (₹6,00,000 per year) CTC with 40% basic and non-metro HRA, the monthly in-hand salary is approximately ₹43,000 to ₹47,000 depending on professional tax and tax regime. Under the new regime with no TDS liability, it can be closer to ₹47,000.
What is the in-hand salary for 10 LPA?
For ₹10 LPA CTC with 40% basic, the monthly in-hand salary is about ₹78,000 under the new tax regime for FY 2026-27. There is no income tax, because taxable salary stays below the ₹12 lakh rebate limit, so the only deductions are employee PF (about ₹1,800) and professional tax (about ₹200). Under the old regime, TDS of roughly ₹5,000 a month brings it down to about ₹73,000.
Is PF mandatory in India?
Yes, EPF (Employee Provident Fund) is mandatory for companies with 20 or more employees. The employee contributes 12% of basic salary and the employer contributes another 12%. However, employees earning above ₹15,000 basic can opt out of PF.
Is this salary calculator free?
Yes, 100% free. No account needed. Results are estimates — actual figures may vary based on your employer's specific salary structure and allowances.