How do I calculate in-hand salary from CTC?
Take out what your employer pays but you never receive (employer PF, gratuity and any insurance), divide what is left by 12 to get gross monthly pay, then subtract your PF, professional tax and income tax. On a ₹12,00,000 CTC in Bengaluru that gives ₹91,949 a month in October 2026. The calculator above does each step for any CTC and shows the working.
What is the difference between CTC and in-hand salary?
CTC is what your employer spends on you in a year, including its own PF contribution and gratuity. In-hand salary is what reaches your bank account after your PF, professional tax and income tax. On a ₹12,00,000 CTC, ₹11,09,934 reaches you over the year.
How much is the in-hand salary on a 10 lakh CTC?
About ₹75,683 a month in October 2026, with the calculator's defaults: Bengaluru, new tax regime, basic at 50% and PF on the wage ceiling. Your city, how your company deducts PF and any variable pay change it, so enter your own figures above.
Why is my in-hand salary less than CTC divided by 12?
₹1,00,000 is a twelfth of a ₹12,00,000 CTC. About ₹4,851 of the gap is your employer's PF and gratuity, which sit inside the CTC and are not paid as salary. The rest is your own PF, professional tax and any income tax.
Is PF part of my in-hand salary?
No. Your PF (12% of your PF wages) is deducted from your pay and goes into your provident fund, so it lowers the figure that reaches your bank. Your employer's matching contribution is part of your CTC and is not in your monthly pay either. Most employers work PF on a capped wage; deducting it on your full basic needs a joint request that EPFO accepts.
What changed with the PF wage ceiling in September 2026?
The ceiling went from ₹15,000 to ₹25,000 on 17 September 2026. PF at the ceiling is now ₹3,000 a month instead of ₹1,800. If your basic is above the ceiling and your company deducts on the ceiling, your in-hand is ₹1,200 lower from October 2026 than it was before. The calculator shows October by default and every other month in the payslip section.
Which tax regime does the calculator use?
Both. It works out your tax under the new and the old regime and uses the one that leaves you with less tax, then says which one and how much it saves. You can force either regime under "Make it exact". The old regime only wins when your deductions (HRA, 80C, home-loan interest and the like) are large.
Is income up to ₹12L tax-free in FY 2026-27?
In the new regime, tax is nil when taxable income is up to ₹12,00,000, because the rebate of up to ₹60,000 cancels it. With the ₹75,000 standard deduction, that is a salary of ₹12,75,000. Just above the limit, marginal relief caps the tax at the extra income, so a raise there adds little to your take-home for a while.
Does a bonus or variable pay change the monthly figure?
Yes. Variable pay is paid once a year, so it is not in the monthly figure. If 10% of a ₹12,00,000 CTC is variable, your monthly in-hand falls to ₹82,189 and about ₹1,20,000 arrives after tax when the bonus is paid.
What is professional tax, and does it apply to me?
Professional tax is a state tax on salary, and states cap it at a few thousand rupees a year. It is not charged everywhere. In Karnataka the calculator uses ₹200 a month and ₹300 in February, ₹2,500 for the year. If your state's schedule is not modelled yet, the calculator says so instead of guessing.
How is gratuity treated?
Gratuity is set aside by your employer and paid when you leave, usually after five years of service, so it is not in your monthly pay. On a ₹12,00,000 CTC the calculator sets aside ₹28,846 a year. Since 21 November 2025, the Code on Wages works it out on at least 50% of your pay, even when your basic is lower.
Why does my payslip show a different figure?
The usual reasons are PF deducted on full basic, variable pay that is paid yearly, income tax spread unevenly across the months, insurance or loan deductions, joining mid-year, and a pay structure that changed under the labour codes. The "Why your payslip may differ" section under the calculator lets you tick the ones that apply and shows what each does to the figure.
Is the in-hand salary the same every month?
Mostly. In FY 2026-27 PF changed during the year, so April's figure is ₹93,149 and October's is ₹91,949. Professional tax is higher in some months (₹300 in February), tax can be spread unevenly by your employer, and variable pay comes once a year. The payslip section lists all twelve months.
Do I need to give any personal details?
No. The calculation runs in your browser and the page never asks for your name, email or employer. A link you copy carries only the numbers you entered.
