Take-Home Salary Calculator
Turn your CTC into real monthly in-hand pay for FY 2026-27. We estimate employer PF, gratuity, your PF, professional tax and income tax, so you see what actually lands in your bank account. No sign-in needed.
CTC vs gross vs in-hand
CTC is everything your employer spends on you, including their PF contribution and gratuity accrual — money you don't receive monthly. Gross salary is CTC minus those employer-side items. In-hand is gross minus your PF, professional tax and income tax. This is an estimate; allowances, variable pay and state professional-tax rates vary.
Want the exact figures from your real slip? Upload a payslip to SlipSmart and it reads your actual basic, PF, HRA and TDS.
Frequently asked questions
How is in-hand salary calculated from CTC?
CTC includes employer-side costs (employer PF, gratuity) that you never receive in hand. In-hand = gross salary − employee PF − professional tax − income tax. This calculator estimates each piece from your CTC and basic split.
Why is my take-home much lower than my CTC?
CTC bundles employer PF (12% of basic), gratuity accrual (~4.81% of basic) and your own PF, plus income tax and professional tax. Those are deducted before you get your monthly pay, so in-hand is typically 70–85% of CTC depending on salary and regime.
Which regime gives higher take-home?
Usually the new regime, because of its higher ₹75,000 standard deduction and the zero-tax-up-to-₹12-lakh rebate — unless you have large 80C/HRA/home-loan deductions. Toggle the regime here to compare.