💰

Salary Calculator India

Salary to In-Hand Salary Calculator

India 2026-27 (FY 2026-27)

Instant CTC to Take Home Salary Breakdown. No Login Required.

Estimate your in-hand salary with PF, HRA, Income Tax, Professional Tax & ESI deductions

Last reviewed on April 6, 2026. Results are estimates based on common payroll assumptions, not payroll advice.

100% Free
No Login Required
Methodology Explained
Updated April 2026

Enter your annual package in ₹ (e.g., 8 LPA = 800000)

40%50%60%

Salary Structure Options

Include performance bonus or variable pay that is part of CTC.

Enter your salary details

Your results will appear here

Popular CTC to In-Hand Salary Estimates

Quick reference for common Indian CTC packages using the same default assumptions as the calculator.

CTCMonthly In-HandAnnual In-HandDetails
5 LPA₹35,465₹4,25,575View breakdown
8 LPA₹56,863₹6,82,360View breakdown
10 LPA₹71,129₹8,53,550View breakdown
12 LPA₹85,395₹10,24,740View breakdown
15 LPA₹1,00,308₹12,03,693View breakdown
20 LPA₹1,29,339₹15,52,065View breakdown
25 LPA₹1,56,134₹18,73,608View breakdown
30 LPA₹1,80,693₹21,68,321View breakdown

How This Calculator Works

The calculator estimates take-home salary from annual CTC using common Indian salary-structure assumptions. It accounts for employee PF, employer PF, gratuity, professional tax, ESI eligibility, and income tax under the selected regime.

Your actual payslip can differ if your employer uses a different basic-salary split, reimbursements, flexible benefits, bonuses, or state-specific payroll rules.

Default Assumptions

  • Basic salary starts at 50% of CTC
  • HRA uses metro or non-metro defaults
  • PF is enabled unless you switch it off
  • Maharashtra PT is the default example state

Before You Decide

  • Check your offer letter or payslip structure
  • Use old-regime inputs only with real deductions
  • Consult a CA for filing or tax planning
  • Report issues through the contact page

🔥 Popular Salary Searches

3 LPA5 LPA8 LPA10 LPA12 LPA15 LPA20 LPA25 LPA30 LPA50 LPAView All 78 Examples →

Learn More About Indian Salaries

Practical guides with visible assumptions, source notes, and review dates

💰

Complete Salary Structure Guide

Understand CTC, Basic, HRA, PF, Gratuity, and all salary components with detailed examples

Read Full Guide →
📊

Tax Planning Guide (FY 2026-27)

Old vs New Tax Regime, Section 80C, 80D deductions, HRA benefits, and tax-saving strategies

Read Full Guide →
View All Guides

How to Calculate In-Hand Salary from CTC?

Your CTC (Cost to Company) is not the same as your in-hand salary(take-home pay). CTC includes various components like Basic Salary, HRA, Special Allowances, Employer's PF contribution, and Gratuity. Your actual take-home salary is what you receive after all deductions like Income Tax, Employee PF, Professional Tax, and ESI.

Understanding Salary Components

Basic Salary: Typically 40-50% of CTC. This forms the base for calculating other components like HRA, PF, and Gratuity.

HRA (House Rent Allowance): Usually 40% of Basic (non-metro) or 50% (metro cities). Can be partially or fully exempt under Old Tax Regime if you pay rent.

Special Allowance: The remaining portion of your gross salary after Basic and HRA. This is fully taxable.

Provident Fund (PF): Both employer and employee contribute 12% of Basic Salary. Employee contribution is deducted from salary, while employer contribution is part of CTC.

Gratuity: Approximately 4.81% of Basic Salary. Part of CTC but paid only after 5 years of service.

Old Tax Regime vs New Tax Regime (FY 2026-27)

India offers two tax regimes, and you must choose one each financial year:

New Tax Regime (Default)

  • Lower tax rates with simplified slabs
  • 0% up to ₹4 lakh, 5% from ₹4-8 lakh, 10% from ₹8-12 lakh, 15% from ₹12-16 lakh, 20% from ₹16-20 lakh, 25% from ₹20-24 lakh, 30% above ₹24 lakh
  • Standard Deduction of ₹75,000
  • No HRA exemption, no Section 80C benefits
  • Best for: People with few investments and lower income

Old Tax Regime (Optional)

  • Higher tax rates but with many deductions
  • 0% up to ₹2.5 lakh, 5% from ₹2.5-5 lakh, 20% from ₹5-10 lakh, 30% above ₹10 lakh
  • HRA exemption available
  • Section 80C deductions up to ₹1.5 lakh (PPF, ELSS, Life Insurance, etc.)
  • Best for: People with rent payments and good investments

Common Salary Deductions

  • Income Tax: Based on your taxable income and chosen tax regime
  • Employee PF: 12% of Basic Salary (capped at ₹1,800/month)
  • Professional Tax: State-specific (₹200/month in Maharashtra, Karnataka)
  • ESI: 0.75% of gross salary if monthly gross is below ₹21,000

Frequently Asked Questions

What is in-hand salary?

In-hand salary (take-home salary) is the actual amount you receive in your bank account after all deductions from your CTC. It's calculated as: CTC - (Employer PF + Gratuity + Income Tax + Employee PF + Professional Tax + ESI).

How much is 10 LPA in-hand salary?

A 10 LPA (₹10,00,000 CTC) typically gives around ₹71,000 monthly in-hand under New Tax Regime with standard assumptions. Under Old Tax Regime, the estimate depends more heavily on rent, Section 80C, and other deductions. Use our calculator above for a personalized estimate.

Does gratuity reduce in-hand salary?

Yes, gratuity (4.81% of basic) is part of CTC but not included in monthly salary. It's paid as a lump sum after 5 years of service, so it effectively reduces monthly take-home.

Which tax regime is better?

It depends on your deductions. Old Regime is better if you have rent payments, investments in 80C instruments, or home loans. New Regime is better if you have minimal deductions and prefer simplicity. Use our comparison feature above.

How is PF calculated?

PF is 12% of your Basic Salary, contributed by both employer and employee. For example, if your basic is ₹40,000, both you and your employer contribute ₹4,800 each month. Your contribution (₹4,800) is deducted from salary.

Is this calculator accurate for FY 2026-27?

It is designed around the FY 2026-27 assumptions shown on this site and should be treated as an estimate. Tax calculations can vary based on individual circumstances, employer policy, and later government notifications. For precise tax planning, consult a chartered accountant.

Sources and Review Notes

The calculator separates statutory rules from salary-structure assumptions. Income-tax, PF, ESI, and professional-tax references are checked against official or regulator sources, while CTC splits such as basic salary and HRA are editable assumptions because employers structure compensation differently.