Salary Calculator: CTC to In-Hand Salary (India, FY 2026-27)

How CTC becomes your in-hand salary

In-hand salary is CTC minus employer costs, then minus your PF, ESI, professional tax and income tax.

CTC (cost to company) is everything your employer spends on you in a year. Your in-hand (take-home) salary is what reaches your bank after deductions. The steps:

1. CTC − employer costs = gross salary. The employer takes out its own EPF share (12% of the PF wage, capped at ₹25,000 a month unless you are on full basic), the gratuity provision (often 4.81% of basic; this is a payroll convention, not a legal rate), employer ESI (3.25%, only if your monthly gross is ₹21,000 or less) and any employer NPS.
2. Gross − your deductions = in-hand.
   • Employee EPF is 12%.
   • Employee ESI is 0.75%, only within the ESI ceiling.
   • Professional tax is set by your state, at most ₹2,500 a year.
   • Income tax is deducted monthly as TDS under s.392.
3. Income tax is worked out on taxable income: gross minus the standard deduction (₹75,000 in the new regime, ₹50,000 in the old), then slabs, rebate, surcharge and 4% cess.

Worked example: ₹15 lakh CTC, new regime

Assumes 50% basic, no bonus and no professional tax. Each case is reproduced in our test file.

Try this: ₹15L CTCTry this: ₹12L CTCTry this: Old vs New ₹15LTry this: ₹50,000 in-hand → CTC

Worked example: ₹12 lakh CTC, new vs old

• New regime: taxable income is ₹10,60,140. That is under ₹12 lakh, so the s.156 rebate (up to ₹60,000) wipes out the ₹46,014 slab tax. Tax ₹0, in-hand ₹91,595 a month.
• Old regime, no deductions: taxable income ₹10,85,140 gives tax of ₹1,43,564 and an in-hand of ₹79,631 a month.

In-hand salary by CTC (tax year 2026-27)

Use this table for a quick FY 2026-27 estimate, then open the calculator for your own structure.

Same assumptions as above: 50% basic, EPF capped, gratuity in CTC, no PT, no bonus. Your structure will differ, so use the tool for your own numbers.

Old vs new tax regime: which gives more in-hand?

The new tax regime usually pays more in-hand unless your old-regime deductions clear the break-even amount.

• New regime (default, s.202):
  • Slabs: nil to ₹4L; 5% to ₹8L; 10% to ₹12L; 15% to ₹16L; 20% to ₹20L; 25% to ₹24L; 30% above.
  • ₹75,000 standard deduction.
  • Rebate up to ₹60,000 when taxable income is ₹12L or less, with marginal relief just above ₹12L. Example: at ₹12,10,000 the tax is limited to ₹10,000 + cess = ₹10,400.
  • Surcharge capped at 25%.
• Old regime (opt out under s.202(4)):
  • Slabs: nil to ₹2.5L (₹3L at 60–79, ₹5L at 80+); 5% to ₹5L; 20% to ₹10L; 30% above.
  • ₹50,000 standard deduction.
  • Rebate up to ₹12,500 when taxable income is ₹5L or less.
  • You can claim exemptions and deductions such as HRA, 80C, 80D and home-loan interest. Professional tax is deductible only in the old regime.
• The break-even test. The old regime wins only if your deductions are large enough. With our defaults you need about ₹5,25,800 of old-regime deductions at ₹15L CTC, and about ₹7,88,200 at ₹25L, just to equal the new regime. At ₹12L CTC the new regime’s tax is zero, so no deduction amount makes the old regime cheaper. The “Old vs New” tab works out your own break-even.
• Employer NPS is different. It sits inside CTC and is deductible in both regimes, within the limit your employer confirms. Example: at ₹15L CTC with ₹60,000 employer NPS, new-regime tax falls from ₹86,256 to ₹76,896.

Salary hike calculator: what a raise does to in-hand

A salary hike raises CTC first; in-hand rises by less after tax, PF and cess.

A hike applies to CTC, but your in-hand rises by less, because of tax slabs, PF and cess. Use the “Salary hike” tab: enter the current CTC and the hike %, and it shows the new CTC and the extra take-home each month. Formula: new CTC = current CTC × (1 + hike% ÷ 100); hike % = (new − old) ÷ old × 100. To compare a job switch, use “Compare 2 offers”. It also accounts for a different basic %.

India specifics this calculator handles

This tool uses tax year 2026-27 slabs, the ₹25,000 EPF ceiling from 17 Sep 2026, ESI rules and verified state professional tax only.

• EPF ceiling: ₹25,000 a month from 17 Sep 2026 (EPFO, S.O. 5109(E)). Many older calculators still use ₹15,000, which understates PF for most salaried people.
• Professional tax: varies by state.
  • Built-in slabs, from official sources only: Maharashtra (men/women), Karnataka, Chennai Corporation (half-yearly), Telangana, Madhya Pradesh, Kerala (half-yearly) and Nagaland.
  • For West Bengal, Gujarat, Odisha, Assam, Andhra Pradesh and any other state not listed, enter the amount from your payslip. We do not invent slabs (those states are UNVERIFIED or CONFLICT in our facts file).
• ESI: applies only up to ₹21,000 gross a month (₹25,000 for persons with disability).
• Tax law: from 1 Apr 2026 salary is taxed under the Income-tax Act 2025. Your annual TDS certificate is Form 130 (formerly Form 16), and the year is called tax year 2026-27.

Salary calculator FAQ

How do I calculate in-hand salary from CTC?

Subtract employer PF, gratuity and any employer ESI or NPS from CTC to get gross salary. Then subtract employee PF, ESI, professional tax and income tax (TDS). Divide by 12 for the monthly figure.

What is the CTC for ₹50,000 in-hand per month?

With 50% basic, EPF capped at ₹25,000, gratuity in CTC, the new regime and no professional tax, it is about ₹6.89 lakh (₹6,88,560). Your employer’s structure can change this; use the In-hand → CTC tab.

What is the CTC for ₹27,000 salary per month?

On the same assumptions, about ₹3.79 lakh (₹3,78,536) for ₹27,000 in-hand.

What is the difference between gross and net (in-hand) salary?

Gross salary is what you earn before your own deductions (CTC minus employer contributions). Net or in-hand is gross minus employee PF, ESI, professional tax and TDS.

How much tax will I pay on my salary in the new regime?

Nothing if taxable income (after the ₹75,000 standard deduction) is ₹12 lakh or less, thanks to the s.156 rebate. Above that, slab rates of 15% to 30% apply, plus 4% cess. Example: ₹86,256 on a ₹15 lakh CTC.

How do I calculate my annual income from a monthly salary?

Multiply monthly gross by 12 and add any annual bonus or variable pay. For tax, subtract the standard deduction (and, in the old regime, your eligible deductions).

Is the new or old tax regime better for me?

The new regime gives more in-hand unless your old-regime deductions exceed the break-even amount. That is about ₹5.26 lakh at ₹15 lakh CTC on our defaults. The tool calculates your exact break-even.

Does this calculator use the ₹25,000 EPF wage ceiling?

Yes. The default caps the PF wage at ₹25,000 a month, as notified by EPFO from 17 September 2026. You can switch to PF on full basic or no PF.

Why is my in-hand different from my payslip?

Employers project TDS through the year, may pay bonus separately, and use their own structure and state rules. Treat this as an estimate and check your payslip and Form 130.

Is my salary data saved?

No. Everything runs in your browser. A share link only copies your inputs into the page address.

How to convert CTC to in-hand salary?

Subtract employer PF, gratuity provision and any employer ESI or NPS from CTC to get gross. Then subtract employee PF, ESI, professional tax and TDS. Divide by 12 for monthly in-hand. The CTC → In-hand tab does this for tax year 2026-27.

What is 3.5 CTC in-hand salary?

On our defaults (50% basic, EPF capped at ₹25,000, gratuity in CTC, new regime, no professional tax), ₹3.5 lakh CTC is about ₹24,965 a month in-hand (tax ₹0 after the standard deduction and rebate band).

What is the CTC for ₹30,000 in-hand per month?

About ₹4.21 lakh (₹4,20,587) on the same defaults. Use the In-hand → CTC tab for your state and structure.

What is the CTC for ₹60,000 in-hand per month?

About ₹8.12 lakh (₹8,11,517) on the same defaults. Your employer’s basic %, PF policy and professional tax change the answer.

Related calculators and guides

• All free calculators
• HRA exemption calculator
• TDS calculator
• Gratuity calculator
• PF (EPF) calculator
• Salary slip generator
• Salary slip format guide
• Offer letter format (put this CTC breakup in writing)

Sources (checked 23 Oct 2026)

• Slabs, surcharge, cess (tax year 2026-27): Finance Bill 2026 Memorandum
• Standard deduction, rebate: Income Tax Department threshold limits
• EPF ₹25,000 ceiling: EPFO wage ceiling FAQ. Contribution rates: EPFO contribution rates
• ESI: ESIC contribution
• Professional tax: the state links in the tool’s “Last verified” box (MH, KA, Chennai, TG, MP, KL, NL). PT cap: Constitution Art. 276(2).

By ScaleSaathi Editorial · Rules last checked 23 Oct 2026

This calculator gives an estimate for general information only. It is not tax, legal or financial advice. Your actual in-hand depends on your employer’s salary structure, TDS projection, state rules and declarations; check your payslip and Form 130, or ask a tax professional.