In-Hand Salary Calculator (CTC to Take-Home)
Turn your annual CTC into your real monthly take-home pay — with a full breakup of EPF, gratuity, professional tax and income tax under both the new and old regimes.
Your take-home salary
₹0 per year · 0% of your CTC
Take-home by regime (per month)
₹0
₹0
Old regime uses the deductions you enter. Switch regime above to update the breakdown below.
Where your CTC goes
- Take-home₹0
- Income tax₹0
- Your EPF₹0
- Professional tax₹0
- Employer PF₹0
- Gratuity₹0
Legend amounts are per year. Take-home + all deductions & employer contributions = your CTC.
Full breakdown
| Component | Monthly | Yearly |
|---|---|---|
| Gross salary | ₹0 | ₹0 |
| − Your EPF | ₹0 | ₹0 |
| − Professional tax | ₹0 | ₹0 |
| − Income tax (TDS) | ₹0 | ₹0 |
| = Take-home (in-hand) | ₹0 | ₹0 |
| Employer contributions (part of CTC, not your salary) | ||
| Employer PF | ₹0 | ₹0 |
| Gratuity provision | ₹0 | ₹0 |
| Total CTC | ₹0 | ₹0 |
How your in-hand salary is calculated
Your CTC (Cost to Company) is the total your employer spends on you in a year — but a good chunk of it never lands in your bank account each month. This calculator peels back every layer to show your real monthly take-home:
- Gross salary = CTC − employer’s PF contribution − gratuity provision.
- Take-home = Gross − your EPF − professional tax − income tax (TDS).
CTC vs gross vs net salary
These three are often confused. CTC is the headline figure in your offer letter.Gross salary is what appears on your payslip before deductions. Net (in-hand)salary is what actually reaches your account. The gap between them is mostly your PF (which you keep, it just goes into your EPF account) and income tax.
In-hand salary for 3, 5 and 10 LPA
A common question is what a given package actually pays each month. As a rough guide under the new regime (your real figure depends on your salary structure and city):
- 3 LPA → roughly ₹22,000–24,000 in-hand per month.
- 5 LPA → roughly ₹35,000–38,000 in-hand per month.
- 10 LPA → roughly ₹68,000–75,000 in-hand per month.
The gap between your annual package and 12× your monthly pay is mostly EPF, gratuity and income tax. Enter your exact CTC above for a precise figure.
New vs old tax regime
The regime you choose changes your income tax, and therefore your take-home. The new regimehas lower rates and a full rebate up to ₹12,00,000 of taxable income, which suits most people with few deductions. The old regime can win if you claim large deductions like 80C, 80D, home-loan interest or HRA exemption. This tool shows your take-home under both.
Frequently asked questions
How is in-hand salary calculated from CTC?
Your CTC (Cost to Company) includes amounts your employer spends on you that never reach your bank account each month — such as the employer’s PF contribution and gratuity provision. Subtract those to get your gross salary. From the gross, deduct your own EPF contribution, professional tax and income tax (TDS). What remains is your in-hand (take-home) salary.
Why is my take-home so much lower than my CTC?
Because CTC bundles several things you never receive monthly: the employer’s 12% PF contribution, the gratuity provision (4.81% of basic), and sometimes bonuses or insurance. On top of that, your own EPF, professional tax and income tax are deducted. Together these can reduce a headline CTC by 15–30% before it reaches your account.
What is the difference between CTC, gross salary and net salary?
CTC is the total annual cost to your employer. Gross salary is CTC minus the employer’s own contributions (PF, gratuity). Net (in-hand) salary is gross minus your EPF, professional tax and income tax. So CTC > gross > net.
How much PF is deducted from my salary?
Employee PF is 12% of your basic salary (plus DA). Your employer contributes a matching 12%. Many companies calculate PF on your full basic; others restrict it to the statutory wage ceiling of Rs 15,000 per month (i.e. Rs 1,800). You can toggle this in the calculator to match your payslip.
Does the new tax regime give a higher take-home salary?
For most salaried employees without large deductions, yes — the new regime has lower slab rates and a full rebate up to Rs 12,00,000 of taxable income. But if you claim significant deductions (80C, 80D, home loan interest, HRA), the old regime can win. This calculator shows your take-home under both so you can compare.
What is professional tax and what are the slabs?
Professional tax is a small tax levied by some state governments on salaried individuals, capped at Rs 2,500 per year (about Rs 200 per month). The exact professional tax slab varies by state — for example, many states charge nothing below a monthly salary threshold and around Rs 200 above it. It is deducted from your salary by your employer, and a few states (like Delhi, Haryana and UP) do not levy it at all.
What is the in-hand salary for 3 LPA, 5 LPA or 10 LPA?
As a rough guide (it depends on your exact salary structure): a 3 LPA package is around Rs 22,000–24,000 in-hand per month, 5 LPA is around Rs 35,000–38,000, and 10 LPA is around Rs 68,000–75,000 under the new regime. The gap comes from EPF, gratuity and income tax. Enter your own CTC above for an exact monthly figure.
Is there a CTC or salary calculator in Excel?
You don’t need a separate Excel sheet. This online CTC-to-in-hand salary calculator does the same job as an Excel salary calculator — it applies EPF, gratuity, professional tax and income tax under both regimes and updates instantly, with nothing to download or maintain.