WebSoftOSIn-hand salary calculator (CTC to take-home)
Your in-hand salary is your monthly gross salary minus employee PF, employee ESI (if gross ≤ ₹21,000), professional tax and income-tax TDS. Gross itself is your CTC minus the employer's PF, ESI and gratuity contributions, which are part of CTC but never paid to you monthly.
Result
| Basic | ₹30,000 |
|---|---|
| HRA | ₹15,000 |
| Special allowance | ₹26,757 |
| Gross salary / month | ₹71,757 |
| Employee PF | − ₹1,800 |
| Employee ESI | − ₹0 |
| Professional tax | − ₹200 |
| Income tax TDS (new regime) | − ₹0 |
| In-hand salary / month | ₹69,757 |
| Employer PF (part of CTC) | ₹1,800 |
| Employer ESI (part of CTC) | ₹0 |
| Gratuity provision (part of CTC) | ₹1,443 |
Income tax assumes no income other than salary and the new regime. HRA exemption, if you rent and choose the old regime, can lower TDS further — compare both in the TDS calculator.
How CTC becomes in-hand salary
- CTC = Gross salary + Employer PF + Employer ESI + Gratuity provision (+ bonus, insurance).
- Gross salary = Basic + HRA + Special allowance (and other allowances).
- In-hand = Gross − Employee PF − Employee ESI − Professional tax − Income tax (TDS).
Why basic % matters
PF and gratuity are both calculated on basic. A higher basic means more retirement savings but lower monthly in-hand pay, unless PF is restricted to the ₹15,000 wage ceiling.
Frequently asked questions
How much in-hand salary will I get from 10 LPA?
With 40% basic, PF on the ₹15,000 ceiling, gratuity in CTC, ₹200 PT and the new tax regime, a ₹10 lakh CTC gives roughly ₹77,000–78,000 per month in hand (no income tax, because taxable income stays under ₹12 lakh). Enter your exact structure above for your figure.
Is employer PF part of my CTC?
Usually yes. Most Indian employers include their 12% PF contribution in CTC, which is why gross salary is lower than CTC ÷ 12.
Is income tax zero up to ₹12 lakh?
Under the new regime for FY 2025-26, taxable income up to ₹12 lakh has no tax because of the Section 87A rebate. With the ₹75,000 standard deduction, salary up to ₹12.75 lakh is effectively tax-free.
More free resources
PF Calculator
Free PF calculator: compute employee 12% PF, employer EPF 3.67%, EPS 8.33% (₹15,000 ceiling), EDLI and admin charges per month and per year.
Use calculator → Free toolESI Calculator
Free ESI calculator: check ESI applicability (₹21,000 limit) and compute employee 0.75% and employer 3.25% ESIC contribution per month.
Use calculator → Free toolTDS on Salary Calculator
Free income tax and TDS on salary calculator for FY 2025-26: compare old vs new tax regime with standard deduction, 87A rebate, 80C, 80D, HRA and home-loan interest.
Use calculator → TemplateSalary Sheet Excel Template
Free monthly salary sheet Excel template for India with basic, HRA, allowances, paid days, PF, ESI, professional tax, TDS and net pay formulas.
Download → TemplateMonthly Payroll Processing Checklist
Free monthly payroll checklist (Excel): attendance cut-off, joiners and exits, arrears, statutory deductions, approvals, bank file, PF/ESI/PT/TDS deposit due dates.
Download →