Enter your CTC, select your tax regime, and instantly see your gross salary, all deductions, and real monthly in-hand amount — updated for FY 2026-27.
Your offer letter says ₹8 LPA. Your bank account tells a different story. That gap between what your employer calls your package and what you actually receive confuses most employees in India. Our take-home salary calculator closes that gap in seconds.
Enter your CTC, select your tax regime, and the calculator instantly breaks down your gross salary, all statutory deductions, and your real monthly in-hand amount. No spreadsheets. No guesswork. Whether you're evaluating a new job offer, planning your budget, or checking if your salary slip is correct — this CTC to in-hand salary calculator (supported by our TDS Calculator) gives you the clarity you need, updated for FY 2026-27.
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Book Your Free Payroll ConsultationCTC — Cost to Company — is everything your employer spends on you. That includes your basic salary, allowances, bonuses, and contributions your employer makes on your behalf (like PF and gratuity). It is not the money you receive.
Here's a simple way to understand the three salary terms you'll see on every offer letter and payslip:
| Term | What It Means | Example (₹6 LPA CTC) |
|---|---|---|
| CTC | Total cost your employer bears for you annually | ₹6,00,000 |
| Gross Salary | CTC minus employer's PF and gratuity contribution | ~₹5,50,000 |
| Net / In-Hand Salary | Gross minus your own deductions (PF, tax, professional tax) | ~₹4,80,000–₹5,10,000 |
The difference between CTC and take-home can be ₹50,000 to ₹2,00,000+ per year, depending on your tax slab and deductions. This is why using a salary breakup calculator before you accept any offer matters.
Getting your salary breakdown takes less than a minute:
Calculator outputs:
Monthly in-hand salary · Annual net salary · Gross salary · Total deductions · PF breakdown (employee + employer) · Income tax (TDS) · Professional tax
Every Indian salary is made up of fixed components, variable components, and statutory contributions:
Basic Salary
HRA
LTA
Special Allowance
Performance Bonus
Gratuity
EPF
Professional Tax
Income Tax (TDS)
Formula:
In-Hand Salary = CTC − Employer PF − Gratuity − Employee PF − Income Tax − Professional Tax
| Component | Monthly (₹) | Annual (₹) |
|---|---|---|
| CTC | 50,000 | 6,00,000 |
| Basic Salary (40% of CTC) | 20,000 | 2,40,000 |
| HRA (50% of Basic — metro city) | 10,000 | 1,20,000 |
| Special Allowance | 14,200 | 1,70,400 |
| Employer PF (12% of Basic) | 2,400 | 28,800 |
| Gratuity (~4.81% of Basic) | 961 | 11,532 |
| Gross Salary | 46,639 | 5,59,668 |
| Less: Employee PF (12%) | −2,400 | −28,800 |
| Less: Professional Tax | −200 | −2,400 |
| Less: Income Tax (TDS — New Regime) | ~−0 | ~−0 |
| Estimated In-Hand Salary | ~44,039 | ~5,28,468 |
Actual in-hand salary varies based on your employer's exact salary structure, your state's professional tax rate, and whether you claim HRA or other exemptions.
Four main deductions reduce your gross pay to your in-hand figure:
Yes. The StartBusiness Salary Calculator covers all statutory deductions — PF, professional tax, and income tax — under both the New and Old Tax Regimes. It reflects the updated tax slabs and standard deduction for FY 2026-27.
Updated for FY 2026-27
Reflects the revised New Tax Regime slabs, ₹75,000 standard deduction, and rebate changes announced in recent budgets.
New vs. Old Regime comparison
See your in-hand salary under both regimes side by side and choose what works for you.
Granular salary breakup
Every component — basic, HRA, EPF, gratuity, TDS, professional tax — is shown separately.
Variable pay support
Enter your performance bonus as a fixed amount or percentage of CTC for an accurate monthly estimate.
PF contribution options
Choose between standard 12% of basic, capped ₹1,800/month, or no PF (for contractors and exempt employees).
Instant, free, no login
Results in under 30 seconds. No account required. Works on mobile.
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A poorly structured CTC can cost your employees ₹20,000–₹80,000 in unnecessary tax every year. Our payroll experts restructure your salary components to legally maximise take-home pay — at no extra cost to your business.
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Common questions about CTC, in-hand salary, deductions, and tax regimes
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