Salary to In-Hand Salary Calculator
India 2025-26 (FY 2025-26)
Instant CTC to Take Home Salary Breakdown. No Login Required.
Calculate your exact in-hand salary with accurate PF, HRA, Income Tax, Professional Tax & ESI deductions
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How to Calculate In-Hand Salary from CTC?
Your CTC (Cost to Company) is not the same as your in-hand salary(take-home pay). CTC includes various components like Basic Salary, HRA, Special Allowances, Employer's PF contribution, and Gratuity. Your actual take-home salary is what you receive after all deductions like Income Tax, Employee PF, Professional Tax, and ESI.
Understanding Salary Components
Basic Salary: Typically 40-50% of CTC. This forms the base for calculating other components like HRA, PF, and Gratuity.
HRA (House Rent Allowance): Usually 40% of Basic (non-metro) or 50% (metro cities). Can be partially or fully exempt under Old Tax Regime if you pay rent.
Special Allowance: The remaining portion of your gross salary after Basic and HRA. This is fully taxable.
Provident Fund (PF): Both employer and employee contribute 12% of Basic Salary. Employee contribution is deducted from salary, while employer contribution is part of CTC.
Gratuity: Approximately 4.81% of Basic Salary. Part of CTC but paid only after 5 years of service.
Old Tax Regime vs New Tax Regime (FY 2025-26)
India offers two tax regimes, and you must choose one each financial year:
New Tax Regime (Default)
- Lower tax rates with simplified slabs
- 0% up to ₹3 lakh, 5% from ₹3-7 lakh, 10% from ₹7-10 lakh, 15% from ₹10-15 lakh, 30% above ₹15 lakh
- Standard Deduction of ₹75,000
- No HRA exemption, no Section 80C benefits
- Best for: People with few investments and lower income
Old Tax Regime (Optional)
- Higher tax rates but with many deductions
- 0% up to ₹2.5 lakh, 5% from ₹2.5-5 lakh, 20% from ₹5-10 lakh, 30% above ₹10 lakh
- HRA exemption available
- Section 80C deductions up to ₹1.5 lakh (PPF, ELSS, Life Insurance, etc.)
- Best for: People with rent payments and good investments
Common Salary Deductions
- Income Tax: Based on your taxable income and chosen tax regime
- Employee PF: 12% of Basic Salary (capped at ₹1,800/month)
- Professional Tax: State-specific (₹200/month in Maharashtra, Karnataka)
- ESI: 0.75% of gross salary if monthly gross is below ₹21,000
Frequently Asked Questions
What is in-hand salary?
In-hand salary (take-home salary) is the actual amount you receive in your bank account after all deductions from your CTC. It's calculated as: CTC - (Employer PF + Gratuity + Income Tax + Employee PF + Professional Tax + ESI).
How much is 10 LPA in-hand salary?
A 10 LPA (₹10,00,000 CTC) typically gives around ₹65,000-70,000 monthly in-hand under New Tax Regime, and ₹68,000-72,000 under Old Tax Regime (depending on your deductions and city type). Use our calculator above for exact figures.
Does gratuity reduce in-hand salary?
Yes, gratuity (4.81% of basic) is part of CTC but not included in monthly salary. It's paid as a lump sum after 5 years of service, so it effectively reduces monthly take-home.
Which tax regime is better?
It depends on your deductions. Old Regime is better if you have rent payments, investments in 80C instruments, or home loans. New Regime is better if you have minimal deductions and prefer simplicity. Use our comparison feature above.
How is PF calculated?
PF is 12% of your Basic Salary, contributed by both employer and employee. For example, if your basic is ₹40,000, both you and your employer contribute ₹4,800 each month. Your contribution (₹4,800) is deducted from salary.
Is this calculator accurate for FY 2025-26?
Yes, this calculator uses the latest tax slabs and deduction rules expected for FY 2025-26. However, tax calculations can vary based on individual circumstances. For precise tax planning, consult a chartered accountant.