Salary Calculator CTC to In-Hand (2026-27)
Convert annual CTC into monthly take-home salary. See the full breakup — basic, HRA, special allowance, PF, ESI, professional tax and TDS — under the new or old tax regime.
- Monthly + annual breakup
- PF, ESI, PT & TDS
- New vs old regime
- State-wise PT
Not an official government calculator. This free tool is only to make your HR and payroll work easier. Tax and labour rules change every year, so treat results as estimates and verify with the official notification or your CA before filing or paying. Rules last reviewed on 23 October 2026.
CTC to In-hand Salary Calculator
₹10,00,000 per year · ₹83,333 per month
Labour Codes: keep ≥ 50%
Usually 40% or 50%
Monthly salary structure
- Basic + DA
- ₹41,667
- HRA
- ₹16,667
- Special allowance
- ₹22,000
- Gross salary
- ₹80,333
- Employee PF (12%)
- − ₹3,000
- Professional tax (avg.)
- − ₹0
- Income tax / TDS (new regime)
- − ₹0
- In-hand per month
- ₹77,333
Annual view
- CTC
- ₹10,00,000
- Employer PFPart of CTC, not paid in hand
- ₹36,000
- Gross salary
- ₹9,64,000
- Taxable income
- ₹8,89,000
- Income tax (incl. cess)
- ₹0
In-hand salary examples for FY 2026-27
New regime, Basic 50% of CTC, HRA 40% of basic, employer PF in CTC on the ₹25,000 ceiling, work location Haryana (no PT).
| Annual CTC | Monthly in-hand | Annual income tax |
|---|---|---|
| ₹3,00,000 | ₹22,000 | ₹0 |
| ₹6,00,000 | ₹44,000 | ₹0 |
| ₹10,00,000 | ₹77,333 | ₹0 |
| ₹15,00,000 | ₹1,11,343 | ₹91,884 |
| ₹25,00,000 | ₹1,76,572 | ₹3,09,140 |
Salary components explained
- Basic + DA: the core of pay. PF, gratuity, bonus and leave encashment are calculated on it.
- HRA: House Rent Allowance, partly tax-free in the old regime — check with the HRA calculator.
- Special allowance: the balancing figure; fully taxable.
- Employer PF: 12% of PF wages (up to the ₹25,000 ceiling unless paid on full basic). Part of CTC, goes to your PF/EPS account — see the EPF calculator.
- ESI: applies when gross pay is ₹21,000/month or less — see the ESI calculator.
- Professional tax: state-level tax up to ₹2,500 a year — see the PT calculator.
- TDS: income tax deducted monthly by the employer — see the income tax calculator.
Frequently Asked Questions
How do I calculate in-hand salary from CTC?
In-hand salary = CTC − employer PF − employer ESI − gratuity provision (if part of CTC) − employee PF − employee ESI − professional tax − income tax (TDS). The calculator does this automatically and shows the monthly and annual breakup.
Why is my in-hand salary much lower than CTC ÷ 12?
CTC includes amounts you never receive monthly: employer PF, gratuity, insurance and sometimes variable pay. Then your own PF (12% of basic), professional tax and TDS are deducted from gross salary.
Does the new EPF wage ceiling of ₹25,000 reduce take-home pay?
For employees whose PF is restricted to the statutory ceiling and whose basic is above ₹15,000, yes. From 17 September 2026 the ceiling rose to ₹25,000, so the employee PF can go up from ₹1,800 to as much as ₹3,000 a month. Retirement savings rise by the same amount.
Should basic salary be 50% of CTC under the new Labour Codes?
The Codes say allowances excluded from 'wages' cannot exceed 50% of total remuneration; any excess is treated as wages for PF, gratuity and other benefits. Many employers therefore set Basic + DA at about 50% of pay. That is why the calculator defaults to 50%.
Is salary up to ₹12.75 lakh tax-free?
Under the new regime for FY 2025-26 and FY 2026-27, yes — the ₹75,000 standard deduction plus the 87A rebate on income up to ₹12 lakh makes tax nil. The in-hand amount is still reduced by PF and professional tax.
Is this an official salary calculator?
No. It is a free, unofficial estimate for HR and employees. Actual salary depends on your company's salary structure and policy, so check your offer letter or payslip.
More Free HR & Payroll Calculators
View all calculators →Compare new vs old regime tax for FY 2026-27, 2025-26 and 2024-25 with rebate, surcharge and cess.
Find exempt and taxable HRA using the least-of-three rule, with the new 8-metro list from FY 2026-27.
Split PF into employee share, EPS, EPF, EDLI and admin charges; compare ₹25,000 vs ₹15,000 ceiling.
Check ESI applicability and compute employee (0.75%) and employer (3.25%) ESIC contributions.
Monthly and annual professional tax by state, including February top-ups and Punjab PSDT.
Statutory bonus at 8.33%–20% with the ₹21,000 eligibility and ₹7,000/minimum wage calculation ceiling.
Stop calculating payroll by hand
XoMB HR runs salary, PF, ESI, PT, TDS, gratuity and full & final settlement automatically from attendance — always on the latest rules.
This is not an official calculator of the Government of India, the Income Tax Department, EPFO, ESIC or any state government. It is a free tool by XoMB Technologies to make everyday HR work easier. Rules, rates and limits change every year through budgets, notifications and court rulings, and your organisation's policy may differ. Results are estimates only and are not legal, tax or financial advice — confirm with the official source or a qualified CA / labour law consultant before acting. Rules last reviewed on 23 October 2026.