CTC to in-hand salary calculator
See what a CTC offer really means per month, using India's new tax regime. Free, no sign-up.
| Fixed CTC (per year) | ₹12,00,000 |
| − Employer PF | − ₹21,600 |
| − Gratuity | − ₹28,860 |
| Gross salary (per year) | ₹11,49,540 |
| − Your PF | − ₹21,600 |
| − Professional tax | − ₹2,400 |
| − Income tax (incl. cess) | − ₹0 |
| Take-home (per year) | ₹11,25,540 |
Estimate only, using the new tax regime (FY 2025-26): ₹75,000 standard deduction, section 87A rebate (no tax up to ₹12L taxable), 4% cess. Professional tax is approximate and varies by state. HRA and other exemptions aren't applied (the new regime doesn't allow most). Not tax advice — check with a CA for your exact figures.
How your CTC becomes in-hand pay
Your CTC (cost to company) includes things that never hit your bank account: the employer's PF contribution and, often, gratuity. Take those out to get your gross salary. From gross, subtract your own PF, professional tax and income tax to get your in-hand (take-home) pay.
This calculator uses the new tax regime (the default from FY 2025-26): a ₹75,000 standard deduction, the section 87A rebate (no income tax if your taxable income is ₹12 lakh or less), and 4% cess. It's an estimate to help you plan and negotiate — your exact figures depend on your offer and state, so check with a CA.
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