CTC Calculator: अपने In-Hand Salary का सही अनुमान लगाएं

अपने सालाना Cost to Company (CTC) - सीटीसी - सीटीसी से मासिक इन-हैंड टेक-होम सैलरी जानने के लिए इस मुफ़्त ऑनलाइन सीटीसी कैलकुलेटर का उपयोग करें। यह टूल भारत के बजट FY 2026-27 के अनुसार ग्रॉस सैलरी, ईपीएफ (EPF), प्रोफेशनल टैक्स और आयकर कटौती की सटीक गणना करता है।

CTC से इन-हैंड सैलरी गणना प्लेटफ़ॉर्म बजट FY 2026–27
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बेसिक सैलरी (% of CTC) सैलरी का मूल हिस्सा (आमतौर पर सीटीसी का 40% या 50%), जिस पर पीएफ, एचआरए और ग्रेच्युटी की गणना होती है।

रियल-टाइम सैलरी एनालिसिस

अपनी मासिक इन-हैंड सैलरी, टैक्स तुलना, बचत और विस्तृत विश्लेषण चार्ट देखने के लिए बाईं ओर अपना वार्षिक सीटीसी दर्ज करें।

1,210,000+ Calculations Completed
FY 2020-21 Tax Rules Updated
1 State Professional Tax Covered
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How the CTC Salary Calculator Works

Four steps to your exact in hand salary breakdown

1
Annual CTC Cost to Company ₹ 12,00,000 e.g. 12,00,000 (12 LPA)
Enter your CTC
Type your annual Cost to Company from your offer letter
2
Maharashtra Maharashtra Karnataka Telangana
Pick your state
We apply the correct professional tax for your state automatically
3
Tax Choice Selector Select your preferred tax regime for calculations New Regime Old Regime Compare
Choose tax regime
See which of old or new regime puts more money in your account
4
₹ 85,460 in hand/mo Take Home 85.4k सालाना आयकर (Income Tax) 12.2k PF Contribution 2.4k
Get your breakdown
View your salary components and take-home pay split in a detailed donut wheel chart

Complete Guide to CTC, In Hand Salary and सालाना आयकर (Income Tax) in India

CA
Written by CTC Calculator Editorial Team
Reviewed by CA K. Sharma (Chartered Accountant) | Updated: June 15, 2026

CTC vs. In-Hand Salary: Why the Difference?

Cost to Company (CTC) - सीटीसी represents the total annual expenditure an employer incurs on an employee. However, your monthly in-hand salary—the actual take-home pay deposited into your bank account—is usually 25% to 40% lower. This difference occurs because your CTC includes statutory benefits you do not receive as monthly cash, such as employer EPF contributions and gratuity, alongside deductions like employee EPF splits, professional tax, and income tax (TDS).

Understanding this structure is essential when evaluating job offers. For a complete component breakdown, check our Complete Guide to CTC or read about the detailed differences in Gross vs Net Salary.

Salary Calculation Formulas

To understand how a CTC Calculator estimates your monthly net pay, you can use these standard formulas:

For a detailed breakdown of how allowances are structured, explore our step-by-step tutorial on How to Calculate CTC.

ओल्ड टैक्स रिजीम (Standard) vs न्यू टैक्स रिजीम (Default) FY 2026-27 — Which Saves More?

India offers two income tax regimes. Choosing the right one can save you ₹30,000 to ₹80,000 per year. Here's a quick comparison:

FeatureNew RegimeOld Regime
Standard deduction₹75,000₹50,000
Tax Free incomeUp to ₹12 lakhUp to ₹5 lakh
80C deductionNot allowed₹1.5 lakh
HRA exemptionNot allowedAvailable
Best forMost salaried employeesThose with high deductions

Salaried professionals in India can choose between two tax slab structures. Selecting the most tax-efficient regime is critical to maximizing your take-home pay. While the new tax regime offers lower tax slabs and a higher tax-free rebate limit (up to ₹12 Lakh under Section 87A for FY 2026-27), the old tax regime allows you to claim tax deductions under Section 80C, Section 80D, and HRA exemptions.

To compare your specific deduction threshold, use our dedicated Old vs न्यू टैक्स रिजीम (Default) Calculator or read our comprehensive guide on the Old vs न्यू टैक्स रिजीम (Default) choice.

Provident Fund, Professional Tax, and Gratuity

Read Full Guide to CTC & Salary Structure →

Disclaimer: CTC Calculator provides calculations based on standard Indian payroll and tax slabs (Budget FY 2026-27) for educational purposes. Actual structures and deductions may vary based on company policy. Please consult a Chartered Accountant or tax professional for financial decisions.

Calculation Methodology: Calculations run client-side in your browser using pure JavaScript. No personal salary data is transmitted to our servers or stored. EPF calculations default to 12% of basic salary, gratuity is projected at 4.81% of basic, and Professional Tax is based on selected state boundaries.

Salary & Payroll Guides

Read our comprehensive educational guides on Indian salary structures, taxes, and HR payroll calculations.

Complete Guide to CTC

A step-by-step breakdown of Cost to Company, ग्रॉस सैलरी (Gross Salary), and how to calculate your real take home pay.

How HR Calculates Salary

The internal mechanics of payroll processing, LOP pro-rating, and dynamic monthly TDS projection.

Gross vs. Net Salary

Detailed matrices explaining the exact leakage from your CTC at 6L, 15L, and 30L brackets.

Old vs न्यू टैक्स रिजीम (Default)

Compare the breakeven deduction matrix for FY 2026-27 to choose the right regime for your salary.

Fixed vs. Variable Pay

Understand ESOP tax stages, joining bonus clawbacks, and cash flow disparities.

CTC Calculator FAQs

Everything you need to know about CTC and in hand salary

मेरी इन-हैंड सैलरी मेरे सीटीसी (CTC) से इतनी कम क्यों है?
Your CTC includes employer PF, gratuity, and other non-cash benefits. Employee PF (12%), professional tax, and income tax are then deducted. Together these reduce your in hand to 60–75% of your CTC.
मुझे ओल्ड या न्यू टैक्स रिजीम में से कौन सा चुनना चाहिए?
Use the Compare Both tab — it shows exactly which regime gives you more money. The new regime suits most employees. The old regime wins if you have high 80C investments, HRA, and home loan interest.
Is income up to ₹12 lakh really tax free in FY 2026-27?
Yes. Under the new regime, the Section 87A rebate makes taxable income up to ₹12,00,000 zero-tax. With the ₹75,000 standard deduction, salaried employees earning up to ₹12,75,000 gross pay no income tax.
How is HRA exemption calculated?
HRA exemption is the minimum of: actual HRA received, rent paid minus 10% of basic, and 50% of basic (metro) or 40% (non-metro). This exemption is only available under the old tax regime.
What is EPF and how does it affect take home salary?
Both you and your employer contribute 12% of basic salary to EPF monthly. Your share is deducted from gross salary reducing take home, while the employer share is part of CTC but does not come to you monthly.
What is gratuity and when do I receive it?
Gratuity is approximately 4.81% of basic salary per year, paid by your employer. You receive it as a lump sum after completing 5 continuous years of service. It is tax free up to ₹20 lakh.
How do I compare two job offers?
Use our Job Offer Comparator. Enter both CTCs with their bonus, basic percentage, state, and tax regime. We calculate the real in hand monthly salary for each and show you which one pays more.
What is professional tax and which states levy it?
Professional tax is a state-level deduction capped at ₹2,500 per year. Maharashtra, Karnataka, Telangana, Tamil Nadu, West Bengal, and Gujarat levy it. Delhi and Rajasthan do not.
Why is my real salary hike lower than my CTC hike percentage?
A higher CTC can push you into a higher income tax slab, so more of your increment goes to taxes. Also, professional tax or EPF might increase slightly. Our calculator shows your true in hand raise.