How do I calculate in-hand salary from CTC in India for FY 2026-27?

In-hand salary equals CTC minus Employer PF (12% of basic, part of CTC), minus Employee PF (12% of basic, deducted from salary), minus Professional Tax (2400 per year), minus Income Tax with 4% education cess. Under New Regime FY 2026-27, standard deduction of 75000 applies and income up to 12L is tax-free via 87A rebate.

What percentage of CTC do I actually get in-hand in India?

Typically 70 to 85% of CTC reaches your bank account as in-hand salary. For a 12L CTC under New Regime with PF, in-hand is around 78 to 82%. For higher CTCs above 15L, the percentage drops to 65 to 72% due to higher tax slabs.

Is the 87A rebate available in FY 2026-27?

Yes. Under the New Tax Regime for FY 2026-27, Section 87A rebate of up to 60000 applies if your taxable income is 12 lakh or below after the 75000 standard deduction. This effectively makes income up to 12.75L CTC tax-free for most salaried employees.

Does opting out of PF increase my in-hand salary?

Yes. If your basic salary exceeds 15000 per month, you can opt out of PF. This adds back 12% of your basic salary to your in-hand each month. For a 12L CTC with 50% basic structure, this adds approximately 6000 per month to your take-home pay.

Home / CTC to In-Hand Calculator

CTC to In-Hand Salary Calculator

India FY 2026-27 - New and Old Tax Regime - PF, HRA, Tax Breakdown and AI Advice

Salary Details

Input Type

Annual CTC (Rs)

Annual Bonus (Rs) optional

City

PF Contribution

CTC Structure - Basic %

Tax Regime

New Regime

FY 2026-27

Old Regime

w/ deductions

Zero tax up to 12L taxable income (87A rebate). Std. deduction 75K. No other exemptions.

Tax Deductions

Optional

SECTION 80C MAX 1.5L

▼

EPF (Employee share)

ELSS / PPF / NSC

LIC Premium

Home Loan Principal

OTHER DEDUCTIONS

▼

80D - Health Insurance

80CCD(1B) NPS
max 50K

Home Loan Interest
max 2L

HRA Exemption Claimed

CTC to In-Hand Results

Salary breakdown with tax computation - FY 2026-27

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Enter your CTC above
to see your full salary breakdown instantly.

How to Use This CTC to In-Hand Calculator

Enter your annual or monthly CTC in the input above. Select your city (metro cities like Delhi and Mumbai get 50% HRA, others get 40%). Choose whether you are enrolled in PF or opted out. Select your tax regime and optionally add your deductions under 80C, 80D, NPS, and home loan. Your complete salary breakdown appears instantly on the right.

The calculator shows your monthly take-home salary, annual in-hand amount, total income tax with effective rate, a visual breakup bar, detailed CTC component breakdown, tax slab analysis, and AI-powered tax saving suggestions specific to your salary.

CTC vs In-Hand - Why the Gap is 15 to 30%

Your CTC includes costs your company bears that never appear in your bank account. Employer PF (12% of basic, capped at 21,600 per year) and Gratuity provision (4.81% of basic) together reduce your effective gross salary by 15 to 17% at most CTC levels. Then Employee PF (12% of basic), Professional Tax (2,400 per year), and Income Tax (TDS) are deducted from what remains.

For example, on a 15L CTC with 50% basic structure under New Regime: CTC is 15L, gross salary is about 12.85L, employee deductions are about 1.38L, tax is about 49,000, and in-hand is approximately 11L per year or 91,700 per month. That is a 27% gap between CTC and in-hand.

FY 2026-27 Income Tax Slabs - New Regime

Under the New Tax Regime for FY 2026-27, the slabs are: up to 3L at 0%, 3L to 7L at 5%, 7L to 10L at 10%, 10L to 12L at 15%, 12L to 15L at 20%, and above 15L at 30%. A standard deduction of 75,000 is available. Section 87A rebate eliminates tax if taxable income is 12L or below. Education cess is 4% on tax payable.

Under the Old Tax Regime: up to 2.5L at 0%, 2.5L to 5L at 5%, 5L to 10L at 20%, above 10L at 30%. Standard deduction is 50,000. Allows 80C (1.5L), HRA, 80D, NPS (50K extra), and home loan interest (2L) deductions.

Frequently Asked Questions

Typically 70 to 85% of CTC is your in-hand salary depending on your CTC level, tax regime, PF enrollment, and deductions claimed. For a 10L CTC under New Regime with PF, expect around 77 to 80% as take-home. For 20L CTC, this drops to 68 to 72% due to higher tax slabs.

HRA is typically 50% of basic for metro cities (Delhi, Mumbai, Kolkata, Chennai) and 40% for non-metro cities. The exemption in Old Regime is the minimum of: actual HRA received, rent paid minus 10% of basic, or 50%/40% of basic. This exemption is not available in New Regime.

Surcharge applies on income above 50L (10% surcharge) and above 1 Cr (15% surcharge). The calculator applies standard tax rates for most salary ranges. If your CTC is above 50L, add surcharge manually or consult a CA for precise computation.

PF contribution is 12% of basic salary, capped at a maximum of 1,800 per month (21,600 per year) for both employee and employer when basic salary exceeds 15,000 per month. If basic is below 15,000, PF applies to the full basic amount.

Yes. Most companies include a gratuity provision of approximately 4.81% of basic salary in the CTC. This amount is only paid out after 5 years of continuous employment. It is part of your CTC but you never see it in your monthly salary. Our calculator excludes it from your take-home calculation.

No. This calculator is designed specifically for salaried employees with a formal CTC structure. Freelancers and consultants are taxed under different provisions (presumptive taxation under 44ADA) and do not have PF, HRA, or standard deduction in the same way. Consult a CA for freelance tax calculations.

Also try: In-Hand to CTC Calculator and AI Salary Benchmark