Salary Calculator: CTC to In-Hand Pay (FY 2026-27)

Put in your CTC to find out what your monthly take-home salary will be after PF, professional tax, and income tax are applied, using either the new or old tax regime. A CTC of ₹5 lakh is roughly ₹37,467 a month in hand under the new regime.

Usually 40–50%.

₹2,400–2,500 in most states; 0 in some.

Old regime deductions (optional)

80C is capped at ₹1,50,000 including your PF. These lower tax only under the old regime.

Monthly in-hand salary

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Salary breakdown for one year
Per yearNew regimeOld regime
CTC
Employer PF and gratuity
Gross salary
Your PF
Professional tax
Taxable income
Income tax with cess
In hand a year
In hand a month

An estimate for FY 2026-27 for a salaried person under 60. Your payslip depends on how your employer splits the CTC (allowances, bonus, insurance) and on your other income.

In-hand pay for typical CTC amounts (FY 2026-27)

Basic pay is 40% of CTC, PF is 12% of basic from both you and your employer (included in the CTC), ₹2,400 for professional tax, and no other deductions.

CTC In hand a month (new) In hand a month (old) Income tax a year (new)
₹3 lakh ₹22,400 ₹22,400 ₹0
₹4 lakh ₹29,933 ₹29,933 ₹0
₹5 lakh ₹37,467 ₹37,467 ₹0
₹6 lakh ₹45,000 ₹45,000 ₹0
₹7 lakh ₹52,533 ₹50,056 ₹0
₹8 lakh ₹60,067 ₹56,023 ₹0
₹10 lakh ₹75,133 ₹67,956 ₹0
₹12 lakh ₹90,200 ₹79,608 ₹0
₹15 lakh ₹1,05,611 ₹95,156 ₹86,268
₹18 lakh ₹1,24,331 ₹1,10,705 ₹1,32,829
₹20 lakh ₹1,36,097 ₹1,21,071 ₹1,72,432
₹25 lakh ₹1,64,192 ₹1,46,986 ₹2,87,300
₹30 lakh ₹1,89,894 ₹1,72,900 ₹4,30,872

How the salary calculation is done

  1. Gross pay = CTC minus the employer's PF and gratuity, if your CTC includes these.
  2. Your PF (12% of basic or ₹15,000 per month if it is capped) and professional tax are taken from the gross pay.
  3. Taxable income = gross pay minus the standard deduction (₹75,000 for new, ₹50,000 for old). The old regime also subtracts professional tax, 80C (including your PF) and other deductions.
  4. Income tax is based on slabs, minus the Section 87A rebate, plus a surcharge if above ₹50 lakh, and a 4% health and education cess.
New regime slabs
Up to ₹4 lakh 0%
₹4 lakh–₹8 lakh 5%
₹8 lakh–₹12 lakh 10%
₹12 lakh–₹16 lakh 15%
₹16 lakh–₹20 lakh 20%
₹20 lakh–₹24 lakh 25%
Above ₹24 lakh 30%
Old regime slabs
Up to ₹2.5 lakh 0%
₹2.5 lakh–₹5 lakh 5%
₹5 lakh–₹10 lakh 20%
Above ₹10 lakh 30%

When to Use the Salary Calculator

A new job offer can be exciting, but understanding your take-home pay is important before making any decisions. That's where our salary calculator comes in handy. Before you accept an offer, use this tool to enter your CTC. It will help you see what your monthly in-hand salary looks like after considering common deductions.

This tool is also useful if you plan to switch jobs. As you browse opportunities on Daily Hirer, knowing your expected take-home pay will help you compare offers more thoughtfully. Use it as you apply to different companies to get a clearer idea of your potential earnings.

Frequently Asked Questions

How much is the in-hand salary for a ₹5 lakh CTC?
Under the new tax regime for FY 2026-27, it's about ₹37,467 a month if basic pay is 40% of CTC, PF is 12% of basic from both you and your employer, and professional tax is ₹2,400 a year. At this salary, no income tax is due.
How much is the in-hand salary for a ₹10 lakh CTC?
Under the new regime, it's about ₹75,133 a month, and under the old regime, it's about ₹67,956 without other deductions, assuming the same conditions.
Is ₹12 lakh salary tax-free in FY 2026-27?
Under the new regime, up to ₹12 lakh of taxable income pays no tax due to the Section 87A rebate. With the ₹75,000 standard deduction for salaried people, a salary up to ₹12.75 lakh pays no tax. Above that, marginal relief limits the tax to the income over ₹12 lakh.
How does CTC differ from in-hand salary?
CTC (cost to company) includes everything your employer spends on you in a year, like its own PF and maybe gratuity. In-hand salary is what you get in your bank after deductions like your PF, professional tax and income tax.
Which is better for me: the new or the old tax regime?
The new regime has lower slab rates and a ₹75,000 standard deduction but fewer deductions. The old regime has higher rates but permits deductions like 80C investments (up to ₹1,50,000 with your PF), health insurance, HRA and home-loan interest. Use the calculator to see which gives you more each month.

In-hand salary by CTC

A page for each CTC with the full breakdown, the payslip, other salary structures and the old-versus-new regime answer.

2 LPA 2.5 LPA 3 LPA 3.5 LPA 4 LPA 4.5 LPA 5 LPA 5.5 LPA 6 LPA 6.5 LPA 7 LPA 7.5 LPA 8 LPA 8.5 LPA 9 LPA 9.5 LPA 10 LPA 10.5 LPA 11 LPA 11.5 LPA 12 LPA 12.5 LPA 12.75 LPA 13 LPA 14 LPA 15 LPA 16 LPA 17 LPA 18 LPA 19 LPA 20 LPA 21 LPA 22 LPA 23 LPA 24 LPA 25 LPA 26 LPA 27 LPA 28 LPA 30 LPA 32 LPA 35 LPA 40 LPA 45 LPA 50 LPA

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