Salary Calculator — CTC to In-Hand
Convert annual CTC to monthly in-hand take-home. Uses new tax regime FY 2025-26 with ₹75k standard deduction, statutory PF, and professional tax.
🇮🇳All amounts in ₹ INR · India tax law · FY 2025–26
CTC inputs
Monthly Basic
₹45,000
Monthly HRA
₹22,500
Special allowance
₹41,265
Employee PF
−₹1,800
Income tax + cess
−₹4,628
Monthly in-hand
₹1,04,072
What is CTC and what is in-hand?
CTC (Cost to Company) is the full annualised employer outlay — fixed salary, bonus, employer PF, gratuity provision, insurance. In-hand is what hits your bank account after employee PF, professional tax and TDS.
This calculator estimates the standard split: 40% Basic, 50% of basic as HRA, 8.3% LTA, balance as special allowance. Exact splits vary by company.
CTC includes employer PF (12% of basic), gratuity provision, insurance premiums and bonus. Up to 25% of CTC can be non-cash components.
Maximise NPS via employer (80CCD(2)), use food/meal vouchers in old regime, claim full HRA if you rent.
Authoritative sources
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