CTC to In-Hand Salary Calculator India 2026

Calculate your take-home salary from CTC. Get monthly in-hand amount after PF, tax, and deductions. Updated for Budget 2025 tax slabs.

Salary Details

₹

₹12.0L per annum / ₹1,00,000 per month

Monthly In-Hand Salary

₹94,276

Annual take-home: ₹11,31,312 (94.3% of CTC)

Monthly Salary Breakdown

Basic Salary₹40,000
HRA₹20,000
Special Allowance₹36,276
Gross Salary₹96,276
Employee PF (12%)-₹1,800
Professional Tax-₹200
Income Tax (New Regime)-₹0
Monthly In-Hand₹94,276

Annual Summary

Annual CTC

₹12,00,000

Annual Gross

₹11,55,312

Total Tax (incl. cess)

₹0

Annual In-Hand

₹11,31,312

Compare Tax Regimes

See which regime saves you more tax

HRA CalculatorTax Calculator

CTC to In-Hand Salary — How It Works

What is CTC?

Cost to Company (CTC) is the total amount a company spends on an employee per year. It includes your salary, employer PF contribution, gratuity, insurance, and other benefits. Your in-hand (take-home) salary is always less than CTC.

CTC vs In-Hand Salary — What Gets Deducted?

  • Employee PF (12% of basic): Goes to your EPF account
  • Professional Tax: ₹200/month in most states
  • Income Tax (TDS): Deducted based on your tax slab
  • Employer PF (12%): Part of CTC but not in gross salary
  • Gratuity (4.81%): Part of CTC, paid after 5 years of service

New Tax Regime Slabs FY 2025-26

Income SlabTax Rate
Up to ₹4,00,000Nil
₹4,00,001 — ₹8,00,0005%
₹8,00,001 — ₹12,00,00010%
₹12,00,001 — ₹16,00,00015%
₹16,00,001 — ₹20,00,00020%
₹20,00,001 — ₹24,00,00025%
Above ₹24,00,00030%

Rebate u/s 87A: No tax if taxable income is up to ₹12,00,000 under new regime (Budget 2025). Standard deduction of ₹75,000 is available in both regimes.

CTC to In-Hand Examples

Annual CTCMonthly In-Hand (Approx)% of CTC
₹5,00,000₹35,000 — ₹37,000~84%
₹10,00,000₹65,000 — ₹70,000~80%
₹15,00,000₹90,000 — ₹95,000~75%
₹20,00,000₹1,15,000 — ₹1,25,000~72%
₹30,00,000₹1,60,000 — ₹1,75,000~68%

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