CTC to In-Hand Salary Calculator India 2026

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Enter your CTC details

Annual CTC

₹8L

₹

Tax Regime

New Regime Old Regime

City Type (for HRA)

Professional Tax

Bonus (Annual, optional)

₹

How it works: Basic = 40% of CTC • HRA = 50%/40% of Basic (metro/non-metro) • PF = 12% of Basic (employee + employer) • Standard deduction = ₹75,000 applied under both regimes • Tax slabs as per Union Budget 2025-26.

Monthly In-Hand Salary

₹0

Annual: ₹0

Gross Salary

₹0

Total Deductions

₹0

Income Tax

₹0

PF (Employee)

₹0

Annual breakdown

Basic Salary —

HRA —

Special Allowance —

Bonus —

PF (Employee 12%) —

Income Tax —

Professional Tax —

Net Annual In-Hand —

In-hand 0%

PF (employee) 0%

Income Tax 0%

Prof. Tax 0%

How is your in-hand salary calculated?

Your Cost to Company (CTC) includes all costs the employer bears for you — your salary, provident fund contribution, gratuity, and other benefits. Your actual take-home (in-hand) salary is much less because of statutory deductions.

Here is how the components are typically structured in Indian companies:

Basic Salary

Typically 40-50% of CTC. Forms the base for PF and HRA calculation.

HRA

50% of Basic in metros, 40% in non-metros. Partially tax-exempt.

PF Deduction

12% of Basic salary contributed by you. Equal amount contributed by employer.

Standard Deduction

₹75,000 flat deduction available to salaried employees under both regimes.

New vs Old Regime

New regime has lower slab rates but fewer exemptions. Old regime allows 80C, HRA etc.

Professional Tax

State-level tax, usually ₹200/month (₹2,400/year). Varies by state.