Your monthly in-hand pay from a CTC, under either tax regime
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 18 Oct 2026, except Andhra Pradesh's profession tax schedule, which the state's tax portal did not show; the Telangana bands are used for it.People ask what a job pays "in hand" because a CTC of eighteen lakh does not mean one lakh fifty a month. This page splits the CTC into basic, HRA, allowances, the employer PF and gratuity, then takes off your PF, professional tax and income tax under the regime you choose. You get one monthly number and the full working beneath it.
Estimates for information only, not financial advice. Tax slabs for FY 2026-27 (AY 2027-28) under the Income-tax Act, 2025; PF, gratuity and professional tax rates reviewed on 19 Oct 2026. Your payslip is the only authority on your own package.
| Item | Per month | For the year |
|---|---|---|
| What your employer pays | ||
| Basic pay | ₹75,000 | ₹9,00,000 |
| House rent allowance | ₹37,500 | ₹4,50,000 |
| Special allowance Whatever is left of the CTC after everything else | ₹24,894 | ₹2,98,731 |
| Gross salary | ₹1,37,394 | ₹16,48,731 |
| Employer's PF Goes into your PF account, not your bank account | ₹9,000 | ₹1,08,000 |
| Gratuity set aside Paid only after five years of service | ₹3,606 | ₹43,269 |
| Cost to company | ₹1,50,000 | ₹18,00,000 |
| What comes out of your salary | ||
| Your PF contribution 12% of basic pay | ₹9,000 | ₹1,08,000 |
| Professional tax | ₹208 | ₹2,500 |
| Income tax New regime, FY 2026-27 (AY 2027-28) | ₹10,059 | ₹1,20,702 |
| Take-home pay | ₹1,18,127 | ₹14,17,529 |
Rates and rules read from the sources listed on this page (the earliest on 18 Oct 2026); they may have changed since. Not covered by that date: Andhra Pradesh's profession tax schedule, which the state's tax portal did not show; the Telangana bands are used for it.
The page opens with an 18 lakh CTC; move the "Cost to company" slider to your own figure.
Pick New regime or Old regime under "Tax regime" to see which leaves more each month.
Choose your state under "State for professional tax", since the amount differs by state.
Read "In hand every month" and the "Income tax" and "Your PF for the year" figures beneath it.
This salary calculator turns a CTC into the money that reaches your bank account each month. It splits the cost to company into its parts, takes off your provident fund, professional tax and income tax, and shows a monthly and a yearly table.
Sources: Income Tax Department for slabs and cess; Code on Social Security, 2020 (wage ceiling S.O. 5109(E), 17 September 2026) for the PF rate and ceiling; Code on Social Security, 2020, section 53 for gratuity; state professional tax schedules (read 19 October 2026 from each state department; Andhra Pradesh's could not be read). Reviewed on 19 October 2026. Estimates only, not financial advice.
The rest of the article, and all 7 questions about Salary Calculator, are on the Salary Calculator page.
Take the CTC, remove the employer's provident fund contribution and the amount set aside for gratuity, and you have gross salary. From gross salary take off your own PF, professional tax and income tax. What is left, divided by twelve, is your in-hand pay. This page does all of it once you enter the CTC.
CTC counts money your employer spends that never reaches your account: its own PF contribution, the gratuity it sets aside, and sometimes insurance. Then your own PF, professional tax and income tax come out of what is left. On a CTC of 12,00,000 with a 50% basic, about 1,00,000 goes to employer PF and gratuity before tax even starts.
Yes. Gratuity is set aside at fifteen days of basic pay for each year, which is 4.81% of yearly basic, and you can turn it off if your CTC does not include it. Bonus is a percentage of CTC that you set. Gratuity is only paid to you after five years of service, so it is not part of monthly take-home.
In-hand salary nikalna: enter the CTC and the basic percentage. The employer's provident fund and the gratuity set aside come off first to give gross salary, then your own 12% PF, your state's professional tax and income tax are deducted. What remains, divided by twelve, is your monthly pay.
Rates and rules change; check the source before you rely on a figure.
Still stuck? Ask about Salary Calculator and anybody who knows can answer. No account needed.
Same job, other tools: PF Calculator – What your PF account will hold when you retire.
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