CTC to In-Hand Salary Calculator
See your estimated in-hand salary, annual tax, and payroll deductions under both tax regimes.
Problem
CTC hides the parts that actually shape monthly cash flow.
Promise
Estimate monthly in-hand pay, annual tax, and salary breakup under old and new regimes.
Trust note
No login. Salary logic runs in the browser and shows the assumptions used.
Tool mode
Basic keeps the fast default flow. Advanced unlocks goal seek, sensitivity sweep, and a second comparison scenario.
Compensation snapshot
Start with the annual package and salary split assumptions.
Payroll and housing
These inputs drive EPF, HRA exemption, and the tax model.
Optional deductions
These matter only for the old regime in this MVP salary engine.
Main answer
₹1,05,572
Estimated monthly in-hand is ₹1,05,572 after payroll deductions and tax.
New regime results in ₹1,13,038 of annual tax on taxable income of ₹15.2L.
Monthly in-hand
₹1,05,572
Fixed monthly cash after employee PF, professional tax, and income tax.
Annual tax
₹1,13,038
Approximate effective tax rate: 7.1%.
Annual in-hand
₹14.2L
Cash compensation after payroll deductions and tax.
Employee PF + PT
₹72,096
This is excluded from monthly take-home.
Salary break-up view
Alternate regime tax
₹1,70,971
The selected regime is lighter by ₹57,933.
HRA exemption used
₹0
New regime ignores HRA exemption in this calculator.
Employer PF inside CTC
₹1,98,000
This sits inside CTC but does not become monthly cash.
How to read this tool
This tool is built for Indian salary structures where employer PF, HRA, and tax regime choices change the real monthly number.
Use it as a planning estimate, then cross-check with your payslip and employer-specific components before making a final decision.
Cautions
- This MVP does not include surcharge, LTA, or employer-specific flexible benefits.
Why the result leans this way
What moves the number most
Employer PF, bonus mix, and tax regime change take-home faster than small percentage tweaks in allowances.
When old regime wins
Old regime usually looks better only when rent and eligible deductions are high enough to offset the narrower slab structure.
What to verify with payroll
Check whether gratuity, variable pay timing, and employer-specific reimbursements are included in your real offer letter or payslip.
Assumptions and sources
Income Tax India - Tax Rates
Official income-tax references used for the salary calculator assumptions.
Effective from 2025-04-01
Open sourceIncome Tax India - Budget 2026 FAQ
Official income-tax references used for the salary calculator assumptions.
Effective from 2026-04-01
Open sourceIncome Tax India - Tax Rates
Official income-tax references used for the salary calculator assumptions.
Effective from 2025-04-01
Open sourceIncome Tax India - Salary Calculation Guide
Official income-tax references used for the salary calculator assumptions.
Effective from 2025-04-01
Open sourceSalary calculator note
Cess at 4% is included. Surcharge is not included in the MVP salary engine.
Effective from 2026-04-01
Salary calculator note
The HRA exemption calculation is available only for the old regime and uses the standard least-of-three method.
Effective from 2026-04-01
Salary calculator note
Professional tax is kept user-editable so state-specific payroll differences do not silently change the result.
Effective from 2026-04-01
Frequently asked questions
Why is my in-hand salary lower than CTC?
Indian CTC often includes employer PF, bonus, and tax-impacting components that do not appear as monthly cash in the bank.
Does the calculator compare old and new tax regimes?
Yes. You choose a primary regime, and the results also show a side-by-side tax comparison against the alternative regime.
Is HRA exemption available in the new regime?
No. In this calculator, HRA exemption is applied only for the old regime using rent, basic salary, and metro/non-metro rules.
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