In Hand Salary Calculator
Monthly take-home pay from your CTC.
Under the new labour codes, wages (basic + DA) are generally at least 50% of pay.
PF is calculated on
Gratuity included in CTC?
Optional
Most states charge up to ₹2,400–₹2,500 a year; some states have none.
Tax regime
Your result
—
Enter your numbers to see the result.
This in hand salary calculator turns your CTC (cost to company) into the amount that actually reaches your bank account each month. It deducts the employer’s PF and gratuity that sit inside CTC, any variable pay, your own PF, professional tax and income tax under the regime you choose, and shows your monthly in-hand salary with a full breakup.
What is a In Hand Salary Calculator?
CTC, or cost to company, is the total amount an employer spends on you in a year. It usually includes your salary, the employer’s PF contribution, gratuity, and sometimes bonuses and insurance. Your in-hand or take-home salary is what remains after deductions such as your own PF contribution, professional tax and income tax.
Because so much of CTC never reaches your bank account each month, offers that look similar can mean very different monthly pay. An in hand salary calculator breaks your CTC down and shows the real monthly figure, which is what matters for rent, EMIs and budgeting.
How does the In Hand Salary Calculator work?
The calculator works out basic pay as a share of CTC, then removes the parts of CTC that are not paid monthly: employer PF (12% of basic, or of ₹15,000 if capped), gratuity (4.81% of basic if included) and variable pay. What remains is your gross fixed salary.
From that it subtracts your own 12% PF, professional tax and income tax under the regime you chose, using the Tax Year 2026-27 slabs and standard deduction.
How to use the In Hand Salary Calculator step by step
- Enter your annual CTC.
- Set basic pay as a percentage of CTC; 40–50% is typical, and the labour codes push it towards 50%.
- Choose whether PF is on full basic or the ₹15,000 ceiling.
- Say whether gratuity is part of CTC and add any variable pay.
- Enter professional tax for your state and choose a tax regime.
- Read your monthly in-hand salary and the breakup.
In Hand Salary Calculator example with real numbers
You receive an offer with a CTC of ₹10 lakh. Basic is 50% of CTC, PF is on the ₹15,000 ceiling, gratuity is part of CTC, and you choose the new tax regime.
| Example input | Value |
|---|---|
| Annual CTC | ₹10,00,000 |
| Basic pay | 50% of CTC |
| PF calculated on | ₹15,000 ceiling |
| Gratuity in CTC | Yes |
| Professional tax | ₹2,400 a year |
| Tax regime | New |
| Example output | Value |
|---|---|
| Monthly in-hand salary | ₹77,529 |
| Gross salary (fixed, yearly) | ₹9,54,350 |
| Basic pay (yearly) | ₹5,00,000 |
| Employer PF in CTC | ₹21,600 |
| Gratuity in CTC | ₹24,050 |
| Variable pay (paid separately) | ₹0 |
| Your PF contribution | ₹21,600 |
| Professional tax | ₹2,400 |
| Income tax (new regime) | ₹0 |
The in hand salary calculator shows a monthly take-home of about ₹77,529. Your gross fixed salary is ₹9,54,350; because taxable income stays below ₹12 lakh, the new regime rebate brings your income tax to ₹0.
Key features of this In Hand Salary Calculator
- CTC to monthly take-home in one step
- PF on full basic or the ₹15,000 ceiling
- Gratuity and variable pay handled
- New or old regime tax using Tax Year 2026-27 rules
- Monthly and yearly breakup table
Who should use the In Hand Salary Calculator?
Who is this In Hand Salary Calculator for?
- Job seekers comparing offers
- Employees reading a new salary structure
- Freshers trying to understand CTC
- HR teams explaining pay to candidates
Practical use cases
- Finding the in-hand salary on 10 LPA
- Comparing two offers with different structures
- Seeing the effect of PF on full basic
- Checking how much variable pay inflates CTC
Key benefits
- Real numbers: know what reaches your account.
- Offer comparison: compare on take-home, not CTC.
- Current rules: new regime rebate and labour code basic share.
- Detailed: every deduction shown.
Tips for better results
- Ask HR for the full salary structure before comparing offers.
- PF on full basic lowers in-hand pay but builds retirement savings.
- Check if health insurance or meal cards are inside CTC; they do not add to cash pay.
- Compare regimes with the income tax calculator if you have large deductions.
Common mistakes to avoid
- Dividing CTC by 12 and calling it monthly salary.
- Counting variable pay as guaranteed monthly income.
- Ignoring professional tax.
- Forgetting that a higher basic share can raise PF and gratuity deductions.
Limitations of this In Hand Salary Calculator
- Salary structures vary; enter your employer’s actual percentages.
- Allowances like HRA, LTA and meal cards are treated as part of gross salary.
- It assumes resident individual tax rules and a person below 60.
In Hand Salary Calculator vs other ways to calculate
| Item | Part of CTC | Paid monthly | Reduces in-hand |
|---|---|---|---|
| Basic + allowances | Yes | Yes | No |
| Employer PF | Yes | No | Yes (not paid to you) |
| Gratuity | Often | No | Yes (paid on exit) |
| Variable pay | Often | No | Yes (paid later) |
| Employee PF, PT, tax | Within gross | Deducted | Yes |
To compare an offer with your current pay, use the salary hike calculator. To check how much loan your take-home supports, try the loan eligibility calculator.
Privacy and data handling
This In Hand Salary Calculator runs entirely in your browser. The numbers you type are not sent to Qorico or stored on any server, and nothing is saved after you close the page. The Copy and Download buttons create the result on your own device. If the page has analytics turned on, it may count that a calculation happened, but it does not record the values you entered.
In Hand Salary Calculator FAQs
How much is the in-hand salary on 10 LPA?
With 50% basic, PF on the ₹15,000 ceiling, gratuity in CTC and the new regime, roughly ₹77,000 a month. It changes with your structure.
What deductions reduce in-hand salary?
Your own PF, professional tax and income tax are deducted from gross salary. Employer PF, gratuity and variable pay are part of CTC but not paid monthly.
What is included in CTC?
Usually basic pay, allowances, employer PF, gratuity, bonuses and sometimes insurance and other benefits.
Does the new regime increase in-hand salary?
For most people without large deductions, yes, because tax is lower. Income up to ₹12.75 lakh for salaried people has no tax under the new regime.
Why does the labour code affect in-hand pay?
The new labour codes generally require wages (basic and DA) to be at least half of total pay. A higher basic can raise PF and gratuity, which lowers monthly take-home but increases retirement savings.
Is professional tax the same everywhere?
No. It is a state tax. Many states charge up to ₹2,400–₹2,500 a year, and some states do not charge it at all.
Related tools
Sources and references
We checked the method and the current figures used in this In Hand Salary Calculator against these official and primary sources:
- Income Tax Department of India
- EPFO: Employees' Provident Fund Organisation
- Ministry of Labour and Employment
Written and reviewed by the Qorico Team
