How to use the CTC to In-hand Salary Calculator
- 1. Enter CTC and structureAnnual CTC, basic salary %, and how PF and gratuity are counted in your offer.
- 2. Pick a tax regimeNew regime is the default; choose old to add rent, 80C and other deductions.
- 3. Read the breakdownSee monthly in-hand pay and every step from CTC to take-home.
Worked example
Take a CTC of ₹10,00,000 with basic at 40%, so basic is ₹4,00,000. The employer's PF of 12% of basic (₹48,000) and gratuity at 4.81% of basic (₹19,240) are part of CTC but not paid monthly, leaving a gross salary of ₹9,32,760. Your own PF of ₹48,000 is deducted from that. Under the new regime, taxable income is ₹9,32,760 − ₹75,000 standard deduction = ₹8,57,760. Slab tax is ₹25,776 (5% of ₹4–8 lakh plus 10% of the rest), but income up to ₹12 lakh gets a rebate of up to ₹60,000 under section 87A, so tax is nil.
Take-home is ₹9,32,760 − ₹48,000 = ₹8,84,760 a year, or about ₹73,730 a month.
Rates used, and how to check them
- New regime slabs (Finance Act 2025, in force from FY 2025-26): nil to ₹4 lakh, 5% to ₹8 lakh, 10% to ₹12 lakh, 15% to ₹16 lakh, 20% to ₹20 lakh, 25% to ₹24 lakh, 30% above. Budget 2026 made no rate changes, so they apply for FY 2026-27 too.
- Standard deduction ₹75,000 (new) or ₹50,000 (old); 87A rebate up to ₹60,000 for income to ₹12 lakh (new, with marginal relief) or ₹12,500 to ₹5 lakh (old); cess 4%.
- Surcharge above ₹50 lakh is applied with marginal relief.
- Professional tax depends on your state (Uttar Pradesh has none) and is capped at ₹2,500 a year by Article 276 of the Constitution. Under the new regime it is not deductible.
We checked the slabs against the Income Tax Department's published Finance Act text in November 2026; the other values come from Budget coverage and are worth confirming on incometaxindia.gov.in. The Income-tax Act, 2025 replaces the 1961 Act from 1 April 2026, so section numbers may change, which is why every rate is an editable field. Real payslips also depend on allowances, perks and how your employer spreads TDS. This is an estimate, not tax advice. Compare offers using the job application tracker and prepare with the placement preparation planner.
Frequently asked questions
Why is in-hand salary lower than CTC ÷ 12?
CTC includes employer PF, gratuity and sometimes bonuses or insurance that are not paid monthly. Your own PF, professional tax and income tax are then deducted from what is paid.
Which regime is better for me?
The new regime suits most people without large deductions. If you pay high rent and invest the full ₹1.5 lakh under 80C, compare both by switching the regime.
Is the CTC to In-hand Salary Calculator free?
Yes, the CTC to In-hand Salary Calculator is free. The first time you see your first salary breakdown, you are asked for your name and WhatsApp number once. After that, this and every other Uncodemy tool opens straight away without the form.