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CTC to In-Hand
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Your CTC
FY 2025-26 (New Tax Regime)
Cost to company (gross)
Performance bonus or variable pay
CTC Structure (Estimated)
Monthly In-Hand Salary
₹1,15,156
Annual take-home: ₹13,81,870
CTC
₹15,00,000
Deductions
₹1,18,130
Take Home %
92.1%
Annual Deductions
Where your CTC goes (other than your bank account)
Income Tax
New Regime (FY 2025-26)
₹94,130
Employee PF
12% of Basic (locked till retirement)
₹21,600
Professional Tax
State levy (₹200/month max)
₹2,400
Insight
Out of your ₹15,00,000 CTC, you take home ₹13,81,870 (92%). The rest goes to taxes and PF (which compounds for retirement).
Note
- PF contributions (12% of basic) are tax-free and locked till retirement.
- Old Regime can save more if you claim 80C, 80D, HRA, and home loan interest.
- Negotiate higher Basic for better PF & gratuity (but more tax in old regime).
- Use Section 80C (₹1.5L) and 80D (health insurance) to reduce tax.
About this tool
What is CTC to In-Hand?
Salary Calculator (CTC to In-Hand) breaks down your Cost to Company (CTC) into actual take-home salary. Most people are surprised to learn that 20-30% of CTC goes to taxes, PF, and other deductions. This calculator estimates your monthly in-hand based on standard CTC structure (Basic, HRA, Special Allowance, PF) and current tax slabs.
How to use
- 1.Enter your annual CTC (offered salary)
- 2.Enter variable/bonus percentage
- 3.See estimated CTC breakdown (Basic, HRA, etc.)
- 4.Get your monthly in-hand salary
- 5.View detailed deductions: tax, PF, professional tax
Formula
In-Hand = CTC − Employee PF − Professional Tax − Income Tax
Basic = 50% of Fixed Pay
HRA = 50% of Basic (metro)Frequently asked questions
CTC includes employer contributions (PF, gratuity, group insurance) that you don't see. Plus deductions: income tax (5-30% depending on slab), employee PF (12% of basic), professional tax (₹200/month). Total deductions can be 20-30% of CTC.
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