Take-Home Salary Calculator

⚡ In shortEnter your annual CTC and see your approximate monthly in-hand salary — after a standard PF/HRA split and new-regime income tax for AY 2026-27. A typical structure sets Basic at 50% of CTC, HRA at 50% (metro) or 40% (non-metro) of Basic, employer PF at 12% of Basic and a gratuity provision of 4.81% of Basic, with the remainder as special allowance. Your in-hand pay is the taxable salary (Basic + HRA + special allowance) minus your own 12% PF contribution and income tax under the new regime. Actual structures vary by employer, and HRA is taxable under the new regime.

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How it is calculated

A typical structure sets Basic at 50% of CTC, HRA at 50% (metro) or 40% (non-metro) of Basic, employer PF at 12% of Basic and a gratuity provision of 4.81% of Basic, with the remainder as special allowance. Your in-hand pay is the taxable salary (Basic + HRA + special allowance) minus your own 12% PF contribution and income tax under the new regime. Actual structures vary by employer, and HRA is taxable under the new regime.

Frequently asked questions

How is in-hand salary different from CTC?

CTC includes employer contributions (PF, gratuity provision) and benefits that you never receive as cash. In-hand salary is what reaches your bank account after your own PF and income tax (TDS) are deducted.

Does this use the old or new tax regime?

It uses the new regime (the default for AY 2026-27), which has a ₹75,000 standard deduction and makes income up to ₹12 lakh effectively tax-free via the §87A rebate, but does not allow the HRA exemption.

Why is my actual in-hand different?

Employers structure CTC differently — some add LTA, meal cards, NPS or variable pay, and PF can be capped at ₹15,000 basic. This calculator uses a common 50%-basic model as an indicative estimate.