Finance question
What will be my in-hand salary from my CTC?
Last updated 2026-09-17
Quick answer
In-hand is CTC minus employer PF (and similar cost heads), then minus employee PF, professional tax, income tax and other deductions. A ₹12 lakh CTC with 40% basic is not ₹1 lakh a month in the bank. Use the CTC calculator; we do not invent your state’s professional tax.
Calculate your numbers
Tables below use stated assumptions. Change rate, tenure or income in the calculator for your case.
Open CTC to in-handCTC vs gross vs net
CTC is the employer’s cost. Employer PF is usually inside CTC but never hits your account. Gross is typically CTC minus those employer-only lines. Net is after employee PF, PT and TDS.
Worked example
₹12 lakh CTC, 40% basic, new regime, PT ₹0: open the in-hand calculator. It uses the same tax engine as the income-tax page and EPFO 12% rates from config.
Formula
Monthly gross ≈ CTC/12 − employer PF. In-hand ≈ monthly gross − employee PF − PT − monthly new-regime tax − other deductions.
Example scenarios
CTC → modelled in-hand / month — FY2026-27 new regime, 40% basic, PT ₹0
| CTC | Est. in-hand / month |
|---|---|
| ₹5,00,000 | ₹37,667 |
| ₹8,00,000 | ₹60,267 |
| ₹10,00,000 | ₹75,333 |
| ₹12,00,000 | ₹90,400 |
| ₹15,00,000 | ₹1,05,811 |
| ₹20,00,000 | ₹1,36,297 |
| ₹25,00,000 | ₹1,64,392 |
| ₹30,00,000 | ₹1,90,094 |
Variable pay, gratuity accruals and state PT will change the real payslip.
What changes the answer
- Basic % of CTC
- Employer PF
- Regime
- State professional tax
- Other deductions (VPF, food card)
Things to consider
- Always enter PT yourself. This site will not pretend Maharashtra and Uttar Pradesh charge the same.
- 40% basic, 12% PF on basic, new regime, PT 0 in the table.
Results are educational estimates, not tax, legal, investment, or medical advice, and not a loan offer. Verify filings and payments with the official authority or a qualified professional.
FAQs
Employer PF, employee PF and TDS come out before the credit. CTC is not a monthly salary.