In-hand SalaryCTC to in-hand salary calculator, India 2026-27
Type your yearly CTC to see the monthly salary that reaches your bank account under the new and the old tax regime, with every deduction shown. Nothing you type leaves your device.
In hand a month at common CTCs
| CTC | New regime | Old regime |
|---|---|---|
| ₹5,00,000 | ₹36,657 | ₹36,657 |
| ₹8,00,000 | ₹58,776 | ₹55,001 |
| ₹10,00,000 | ₹73,522 | ₹66,680 |
| ₹15,00,000 | ₹1,03,574 | ₹93,497 |
| ₹20,00,000 | ₹1,33,551 | ₹1,18,860 |
| ₹30,00,000 | ₹1,86,578 | ₹1,69,587 |
With the assumptions below. Full table.
The assumptions behind every number here
- Basic pay is 40% of the CTC (you can change this in the calculator).
- Employer PF is 12% of basic. Employee PF is the same amount. Both are on the full basic (the calculator can instead cap them at the PF wage ceiling).
- Gratuity is a provision of basic ÷ 12 × 15 ÷ 26 a year, which the employer counts in the CTC but pays only after five years of service. It is taken out of the CTC and is not in the monthly pay.
- Professional tax is ₹2,500 a year.
- Everything else in the CTC (basic, HRA, special allowance, bonus paid monthly) is treated as ordinary monthly salary. Variable pay, joining bonus, food coupons and insurance premiums paid by the employer are not separated out.
- New regime: only the standard deduction of ₹75,000. Old regime: standard deduction of ₹50,000, employee PF (inside the ₹1.5 lakh limit of 80C) and professional tax. HRA exemption, home loan interest, 80D and other deductions are not counted, so the old regime looks worse here than it may be for you.
- Tax is for a resident below 60 with salary as the only income, with 4% cess.
Common questions
How do I get the in-hand salary from CTC?
Take away what the company pays on your behalf but you do not receive each month (employer PF and the gratuity provision), then take away your own PF, professional tax and income tax, and divide by 12. For a CTC of ₹15 lakh with the assumptions on this page that leaves about ₹1,03,574 a month in the new regime.
Why is in-hand salary so much lower than CTC / 12?
Because the CTC counts employer PF, gratuity and sometimes insurance and bonus as cost to the company, because 12% of basic goes to PF a second time from your own pay, and because income tax is deducted. For a ₹15 lakh CTC, CTC divided by 12 is ₹1,25,000 but the in-hand figure is about ₹1,03,574.
Is the tax deducted every month the same as the yearly tax?
Your employer estimates the year's tax and deducts it in equal parts over the months left, so the monthly tax can differ from tax divided by 12 if your pay changes during the year or you declare investments late.
Which is better, the new or old regime?
For most pay structures without a home loan or large rent exemption the new regime leaves more in hand. The calculator shows both so you can see the gap. Read how to compare them.
Sources
- Tax slabs, rebate, surcharge and cess for tax year 2026-27: Memorandum explaining the provisions of the Finance Bill, 2026 (Ministry of Finance) and the Income Tax Department e-filing help page "Salaried Individuals for AY 2026-27". Checked on 11 November 2026.
- Gratuity formula (15 days of wages for each year of service, a month taken as 26 days): Payment of Gratuity Act, 1972, section 4(2). Employee and employer PF at 12% of wages: Employees' Provident Funds Scheme, 1952.
- PF wage ceiling of ₹25,000 a month from 17 September 2026 (Gazette notification S.O. 5109(E) under the Code on Social Security, 2020): Press Information Bureau releases on the EPFO wage ceiling (PRID 2313829, PRID 2314111). Read on 13 November 2026 (the Gazette text itself was not opened).
- Professional tax: a state tax; this page assumes ₹2,500 a year, and states differ, some charge less and some have none.
This is an estimate built on the assumptions listed on the page, with tax rates checked on 11 November 2026. It is general information, not tax or financial advice. Your own payslip can differ. Confirm tax questions at incometax.gov.in or with a professional.