In-Hand Salary Calculator
Estimate your monthly take-home from your annual CTC, using the new tax regime slabs for FY 2026-27. Adjust the assumptions below to match your own offer letter.
Professional tax varies by state and is capped by law (typically ₹2,400/year max). The default shown is an approximation — check your state's actual slab.
Estimated monthly take-home
₹90,200
Earnings (annual)
Deductions (annual)
How take-home changes as CTC grows
| Annual CTC | Monthly take-home |
|---|---|
| ₹6L | ₹45,000 |
| ₹9L | ₹67,600 |
| ₹12L | ₹90,200 |
| ₹15L | ₹1,05,611 |
| ₹18L | ₹1,24,331 |
| ₹24L | ₹1,58,721 |
| ₹30L | ₹1,89,894 |
Why take-home is less than CTC ÷ 12
CTC (Cost to Company) is what your employer spends on you annually — it isn't what lands in your bank account each month. Three things typically sit between the two:
Employer PF is a real cost to your employer, but it goes directly into your provident fund account, not your salary account — so while it's part of your CTC, it never appears as take-home pay.
Why the Basic percentage matters
The proportion of your CTC that's Basic salary matters more than people expect — a higher Basic percentage means higher PF contributions (which reduce take-home now but build retirement savings) and can also change your HRA exemption eligibility if you're on the old tax regime.
Frequently asked questions
CTC includes employer contributions (like employer PF and sometimes gratuity accrual) that never reach your bank account, plus deductions like employee PF, income tax, and professional tax. Take-home is what's left after all of that.