Salary Calculator (CTC to In-hand)
Turn your annual CTC into monthly take-home pay under the new tax regime for FY 2026-27.
Result
How to use
- 1
Enter your annual CTC and the share that is basic pay.
- 2
Choose how your employer handles PF and set your state's professional tax.
- 3
See your monthly in-hand salary, tax (TDS) and PF, with a full breakdown.
Questions
Which tax regime does this use?
The new tax regime for FY 2026-27 (the default regime): nil tax up to ₹4 lakh, then 5% to 30% in ₹4 lakh steps, a ₹75,000 standard deduction, and a Section 87A rebate that makes tax nil up to ₹12 lakh of taxable income (with marginal relief just above it), plus 4% cess.
Why is my in-hand lower than CTC ÷ 12?
CTC includes the employer's PF contribution, and your pay is reduced by your own 12% PF, professional tax and income tax (TDS). Gratuity, bonuses and insurance in your CTC can lower monthly pay further.
Can I deduct professional tax in the new regime?
No. Professional tax is still deducted from your pay, but the deduction for it under the old law is not allowed in the new regime, so this calculator does not reduce your taxable income by it.
About this Salary tool
Salary Calculator (CTC to In-hand) — Turn your annual CTC into monthly take-home pay under the new tax regime for FY 2026-27. It is one of 200 free tools on namasivayam.in, made by software engineer Namasivayam Vadivelan for everyday use in India.
Everything is calculated instantly in your browser: nothing you type or upload is sent to any server, there is no sign-up, and it works on mobile and desktop. Enter your annual CTC and the share that is basic pay.
Related reading
Articles that go with this tool
CTC vs In-Hand Salary: Why Your Offer Letter Number Isn’t What Reaches Your Bank
A ₹15 lakh CTC doesn’t mean ₹1.25 lakh a month in your account. A simple breakdown of CTC, gross and in-hand salary — PF, tax, gratuity and more — so you can compare job offers properly.
EPF Explained Simply: Contributions, Interest, Withdrawals and the New Wage Ceiling
Your PF deduction is one of your biggest savings. Understand how EPF works, the 8.25% interest, the new ₹25,000 wage ceiling, and the simplified withdrawal rules — in plain words.
The 50-30-20 Budget Rule for Indian Salaries: A Simple Way to Stop Month-End Panic
Needs, wants and savings — the 50-30-20 rule splits your salary into three easy buckets. Here is how to use it on an Indian in-hand salary, when to bend it, and how to make it automatic.
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Results are estimates to help you plan. They are not financial, tax or medical advice.