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Break an annual CTC into basic, HRA, allowances and employer PF, then subtract employee PF, professional tax and income tax (FY 2025-26 or FY 2024-25, new or old regime) to estimate monthly take-home pay.
Last updated 5 September 2026
In-hand / month
₹90,200
In-hand / year
₹10,82,400
Gross / year
₹11,42,400
Total deductions / year
₹60,000
Assumptions
The total cost to company from your offer letter.
Set the financial year, basic %, HRA %, professional tax, tax regime and whether PF applies.
The calculator shows the full CTC breakup and your estimated monthly and annual in-hand salary.
In-hand = Gross − Employee PF − Professional Tax − Income Tax − Other deductions
Income tax uses the selected financial year's slabs with the standard deduction, 87A rebate and marginal relief. FY 2025-26 is the default.
This is an estimate — it excludes HRA exemption, 80C/80D and other personal exemptions.
Basic = ₹4.8L, HRA = ₹2.4L, employer PF = ₹57,600, so gross ≈ ₹11.42L. Taxable income after the ₹75,000 standard deduction is about ₹10.67L, which is within the new regime's ₹12L Section 87A rebate for FY 2025-26 — so income tax is nil. Only employee PF (₹57,600) and professional tax (₹2,400) are deducted, leaving roughly ₹90,200 per month.
Every company structures CTC differently — some add gratuity, meal cards, insurance premiums or variable pay into the figure. Your actual basic and allowance split is set by your employer, not a formula.
Income tax on a payslip also reflects your investment declarations (80C, 80D, home loan interest, HRA rent proof). This calculator deliberately ignores those so it gives a conservative baseline; your real take-home is usually a little higher once exemptions are applied.
When comparing two job offers, the same CTC figure can produce quite different in-hand pay depending on how much sits in basic vs allowances vs employer PF — a higher basic percentage means higher employer PF (which you don't receive monthly) but also a higher HRA base, which matters if you pay rent. Run both offers through this calculator with their actual structures rather than just comparing the headline CTC number.
No — it is a planning estimate. It uses standard assumptions for the CTC split and a simplified tax calculation. Your offer letter and first payslip are the authoritative figures.
You choose. The new regime is the default. The old regime allows more deductions but has higher slab rates; the calculator applies the standard deduction for whichever you pick.
Yes. Some roles and salary levels are outside mandatory PF. Toggle it off and the calculator removes both the employee deduction and the employer contribution.
All slabs, PF rates and the professional tax figure live in a single dated configuration file. When the Budget changes a rule, that one file is updated and every result stays correct. It currently carries FY 2025-26 (the default) and FY 2024-25.
The February 2025 Budget widened the new regime's Section 87A rebate to cover taxable income up to ₹12 lakh. For a mid-range salary that often takes the income tax deduction to zero, which is why the in-hand figure rises compared with FY 2024-25.
No — for a precise old-regime figure, work out your HRA exemption separately with our HRA Exemption Calculator and treat it as an additional deduction on top of what this calculator shows.
This calculator provides estimates for general information only. Results are mathematical calculations based on the figures you enter and standard formulas. Actual bank, loan, deposit and investment products may differ due to fees, rounding conventions, day-count methods and changing rates and rules. Projected investment returns are not guaranteed and you may get back less than you invest. Nothing here is financial, tax or investment advice — verify the actual terms with the relevant institution or a qualified adviser before making a decision. See our full disclaimer.