Use this free online CTC Calculator to estimate your monthly in-hand take-home salary. This tool processes your annual Cost to Company (CTC) to calculate gross salary, EPF splits, professional tax, and income tax under both old and new regimes. Check your true monthly net salary instantly.
Enter your annual CTC on the left to instantly reveal your custom monthly in hand salary, retirement savings, tax slabs comparison, and interactive analytics charts.
Four steps to your exact in hand salary breakdown
Cost to Company (CTC) 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.
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.
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:
| Feature | New Regime | Old Regime |
|---|---|---|
| Standard deduction | ₹75,000 | ₹50,000 |
| Tax Free income | Up to ₹12 lakh | Up to ₹5 lakh |
| 80C deduction | Not allowed | ₹1.5 lakh |
| HRA exemption | Not allowed | Available |
| Best for | Most salaried employees | Those 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 New Tax Regime Calculator or read our comprehensive guide on the Old vs New Tax Regime choice.
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.
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Estimate your monthly in hand take home salary from your annual Cost to Company (CTC) package.
Optimize the component split of your CTC including Basic and HRA to maximize take home pay.
Determine your gross monthly pay by subtracting employer PF and gratuity contributions from CTC.
Find your salary hike or annual appraisal increment percentage and calculate revised take-home pay.
Calculate your House Rent Allowance tax exemption in accordance with Section 10(13A) rules.
Calculate monthly Employee and Employer Provident Fund (EPF) splits and pension capping limits.
Estimate statutory gratuity payout based on years of service and basic salary benchmarks.
Compare tax slabs under Old vs New Tax Regime side-by-side and find your custom breakeven point.
Compare two job offers side-by-side on in hand pay, bonuses, and tax regimes.
Read our comprehensive educational guides on Indian salary structures, taxes, and HR payroll calculations.
A step-by-step breakdown of Cost to Company, Gross Salary, and how to calculate your real take home pay.
The internal mechanics of payroll processing, LOP pro-rating, and dynamic monthly TDS projection.
Detailed matrices explaining the exact leakage from your CTC at 6L, 15L, and 30L brackets.
Compare the breakeven deduction matrix for FY 2026-27 to choose the right regime for your salary.
Understand ESOP tax stages, joining bonus clawbacks, and cash flow disparities.
Everything you need to know about CTC and in hand salary