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HQ8T

Salary Calculator (CTC to In-Hand)

Monthly take-home salary from your CTC.

₹12 Lakh
₹
% of CTC
₹

0 in states without it

Tax regime (FY 2025-26 (AY 2026-27))
In-hand per month
₹96,200
In-hand per year
₹11,54,400
₹11.54 Lakh
Tax per year
₹0
Yearly breakup
CTC₹12,00,000₹1,00,000/mo
Basic salary₹6,00,000₹50,000/mo
Employer PF (part of CTC)− ₹21,600₹1,800/mo
Gratuity (part of CTC)-₹0₹0/mo
Gross salary₹11,78,400₹98,200/mo
Employee PF− ₹21,600₹1,800/mo
Professional tax− ₹2,400₹200/mo
Income tax (new regime)-₹0₹0/mo
Net take-home₹11,54,400₹96,200/mo

How to use

  1. 1Enter your yearly CTC (cost to company).
  2. 2Set basic salary as a % of CTC (usually 40–50%).
  3. 3Choose PF settings, whether gratuity is part of CTC, and your tax regime.
  4. 4See the monthly in-hand salary and a full breakup.

Frequently asked questions

Why is in-hand salary lower than CTC?

CTC includes the employer's PF contribution and sometimes gratuity, and your own PF, professional tax and income tax are deducted from your pay.

What does “PF on ₹15,000 cap” mean?

PF is compulsory on basic pay up to ₹15,000 a month. Many companies contribute only on that amount (₹1,800 each), while some contribute 12% of the full basic. Check your offer letter.

What is professional tax?

A small state tax on salaries, up to ₹2,500 a year. Maharashtra, Karnataka, West Bengal and others charge it; Delhi, UP and Haryana don't. Enter 0 if your state doesn't.

Is gratuity paid every month?

No. Gratuity (4.81% of basic) is paid only when you leave after 5 years. If your CTC includes it, it's not part of your monthly pay.

How accurate is this?

It's a close estimate. Bonuses, variable pay, meal cards and company-specific allowances can change the actual amount.

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