Why is in-hand salary lower than CTC?

In-hand salary is lower than CTC because payroll deductions such as employee PF, professional tax, income tax/TDS and employer-specific components reduce monthly take-home.

Is this CTC to in-hand calculator exact?

No. It is an estimate based on visible assumptions. Actual take-home depends on salary structure, tax regime, declaration, state professional tax, PF rules and employer payroll setup.

CTC to In-hand Salary Calculator India

Estimate monthly take-home salary from annual CTC with clear assumptions for basic salary, employee PF, professional tax and income tax under the new regime.

Updated June 2, 2026 · Estimate only · Inputs stay in your browser

Quick answer

In-hand salary is not the same as CTC. A practical estimate is monthly gross minus employee PF, professional tax and estimated monthly TDS.

Calculate estimated in-hand salary

Annual CTCBasic salary as % of CTCEmployee PF optionProfessional tax per month

Important assumptions

Income tax is estimated using simplified new-regime slab logic for FY 2025-26 / AY 2026-27 with ₹75,000 standard deduction for salaried users.
This calculator does not know your employer's exact salary structure, variable pay, employer PF, ESIC, LTA, bonus, insurance recovery or one-time deductions.
Use this to compare offers, then verify with the company salary breakup or payslip.

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