Live Tool

In-Hand Salary Finder

Enter your CTC and get your exact monthly take-home salary after all deductions — PF, professional tax, HRA exemption, and income tax under old or new regime.

Select Tax Regime (affects income tax calculation)

Step 1 — Your CTC & Salary Structure
Enter your annual CTC. We'll auto-split the salary structure — or customise it below.
₹3L₹1Cr

Salary Structure (auto-calculated from CTC — you can adjust)

Step 2 — Deductions & Investments
These reduce your taxable income. Applicable only under the Old Regime unless stated.

Old Regime Deductions (80C, 80D, HRA, etc.)

Your Monthly In-Hand Salary

₹0
Annual: ₹0  |  Daily: ₹0
New Regime
💰 Gross Earnings
🏠Basic Salary40% of CTC (configurable) ₹0
🏘️HRA ReceivedHouse Rent Allowance ₹0
⚡Special AllowanceBalancing component ₹0
🏛️Employer PF ContributionPart of CTC, not in-hand ₹0
➖ Deductions
🏛️Employee PF12% of Basic — goes to your PF account ₹0
🏙️Professional TaxState-level deduction ₹0
📋Income Tax (TDS)As per new regime slabs ₹0
🎯 Net In-Hand Salary ₹0

How Your CTC is Distributed

In-Hand (0%)
Income Tax (0%)
PF Employee (0%)
Prof. Tax (0%)

⚖️ Old Regime vs New Regime — Which is Better For You?

Based on your inputs, here is how both regimes compare

Component Old Regime New Regime ✓

CTC vs In-Hand Salary — What's the Difference?

One of the most common confusions for salaried employees in India is the gap between the CTC (Cost to Company) mentioned in the offer letter and the actual amount credited to their bank account every month. This difference can be as large as 20–30% for most employees.

What is CTC?

CTC or Cost to Company is the total annual expenditure a company incurs on an employee. It includes everything — your basic salary, all allowances, employer's contribution to PF, gratuity provisions, and sometimes even insurance premiums paid on your behalf. CTC is what the company spends on you, not what you receive.

What Makes Up Your Salary Structure?

  • Basic Salary: Usually 40–50% of CTC. This is fully taxable. PF is calculated on this component.
  • HRA (House Rent Allowance): Typically 50% of basic (metro) or 40% (non-metro). Partially exempt if you pay rent.
  • Special Allowance: The remaining balancing amount after all other components. Fully taxable.
  • Employer PF: 12% of basic paid by the employer — part of CTC but never comes to you directly.
  • Gratuity: ~4.81% of basic, payable only after 5 years of service.

Key Deductions from Your Salary

  • Employee PF: 12% of your basic salary deducted every month and credited to your EPF account.
  • Professional Tax: A state government levy, maximum ₹2,500 per year. Not applicable in all states.
  • Income Tax (TDS): Tax deducted at source by your employer based on your projected annual income and regime selected.

Old Regime vs New Regime (FY 2025-26)

✅ The new tax regime is now the default regime as per the Union Budget 2023. If you do not declare your preference, your employer will apply the new regime. You can switch at the time of filing your ITR.

The new regime offers lower tax rates but removes most deductions and exemptions. The old regime allows HRA exemption, 80C deductions, home loan interest deduction, and more — making it beneficial for those with significant eligible investments and expenses.

Disclaimer: Tax calculations are estimates based on standard assumptions. Actual TDS may differ based on your employer's payroll system and specific circumstances. Consult a CA for precise advice.

Frequently Asked Questions

In-hand salary = Gross Salary – Employee PF (12% of basic) – Professional Tax – Income Tax (TDS). Gross salary itself = CTC – Employer PF – Gratuity. Our calculator does all of this automatically.
For a ₹10 LPA CTC under the new tax regime with standard deductions, the approximate monthly in-hand salary is ₹72,000–₹76,000 depending on your salary structure and city. Use our calculator above for your exact figure based on your specific breakdown.
The new regime is generally better if your total deductions (80C + HRA + 80D + home loan interest) are less than ₹3.75 lakh. If your deductions exceed that, the old regime likely saves more tax. Use our regime comparison table above after calculating.
Yes, but not as monthly salary. The employer's PF contribution (12% of basic) is deposited into your EPF account and is accessible when you leave the job or retire. It is part of your CTC but is not paid to you monthly.
As per the Union Budget 2024, the standard deduction is ₹75,000 under the new tax regime (increased from ₹50,000) and ₹50,000 under the old regime. This is automatically applied by our calculator.
No. Professional tax is levied only by certain states — including Maharashtra, Karnataka, West Bengal, Tamil Nadu, Andhra Pradesh, and Telangana. States like Delhi, Haryana, Rajasthan, and UP do not levy professional tax. Set it to ₹0 if your state doesn't apply it.