# In-Hand Salary Calculator > In-Hand Salary Calculator is an in-hand salary calculator for India that turns CTC into monthly take-home pay under the 2026 labour codes and the Income-tax Act 2025. The site calculates monthly in-hand (take-home) salary from annual CTC. The calculation covers provident fund, ESI, professional tax by state, income tax under the new and old regimes (with rebate, marginal relief, surcharge and cess), the HRA exemption and the employer's gratuity accrual. Every figure on every page comes from one tested calculation engine, so pages and the calculator always agree. The methodology page lists every rule and its source: https://inhandsalarycalculatorindia.com/methodology/. Written and reviewed by Zishan Khan · Passed CFA Level I (https://x.com/zsnkhn). Estimates for planning, not payroll or tax advice. ## Calculators - [In-hand salary calculator](https://inhandsalarycalculatorindia.com/): Free in-hand salary calculator for India. Enter your CTC to see monthly take-home after PF, professional tax and TDS, with both tax regimes compared. ## In-hand salary by CTC - [In-hand by LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/): Monthly in-hand salary for every CTC from 1 to 100 LPA, FY 2026-27: take-home with PF on the ceiling and on full basic, yearly tax, and the share you keep. - [1 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/1-lpa/): A ₹1,00,000 CTC (1 LPA) is ₹6,836 in hand per month, FY 2026-27: ₹82,032 a year with no income tax. See the breakup and what changes it. - [1.5 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/1.5-lpa/): A ₹1,50,000 CTC (1.5 LPA) is ₹10,254 in hand per month, FY 2026-27: ₹1,23,054 a year with no income tax. See the breakup and what changes it. - [2 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/2-lpa/): A ₹2,00,000 CTC (2 LPA) is ₹13,674 in hand per month, FY 2026-27: ₹1,64,088 a year with no income tax. See the breakup and what changes it. - [2.5 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/2.5-lpa/): A ₹2,50,000 CTC (2.5 LPA) is ₹17,092 in hand per month, FY 2026-27: ₹2,05,110 a year with no income tax. See the breakup and what changes it. - [3 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/3-lpa/): A ₹3,00,000 CTC (3 LPA) is ₹21,399 in hand per month, FY 2026-27: ₹2,56,788 a year with no income tax. See the breakup and what changes it. - [3.5 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/3.5-lpa/): A ₹3,50,000 CTC (3.5 LPA) is ₹24,765 in hand per month, FY 2026-27: ₹2,97,087 a year with no income tax. See the breakup and what changes it. - [3.6 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/3.6-lpa/): A ₹3,60,000 CTC (3.6 LPA) is ₹25,478 in hand per month, FY 2026-27: ₹3,05,646 a year with no income tax. See the breakup and what changes it. - [4 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/4-lpa/): A ₹4,00,000 CTC (4 LPA) is ₹28,415 in hand per month, FY 2026-27: ₹3,41,884 a year with no income tax. See the breakup and what changes it. - [4.5 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/4.5-lpa/): A ₹4,50,000 CTC (4.5 LPA) is ₹32,086 in hand per month, FY 2026-27: ₹3,87,183 a year with no income tax. See the breakup and what changes it. - [5 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/5-lpa/): A ₹5,00,000 CTC (5 LPA) is ₹35,768 in hand per month, FY 2026-27: ₹4,32,761 a year with no income tax. See the breakup and what changes it. - [5.5 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/5.5-lpa/): A ₹5,50,000 CTC (5.5 LPA) is ₹39,459 in hand per month, FY 2026-27: ₹4,78,559 a year with no income tax. See the breakup and what changes it. - [6 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/6-lpa/): A ₹6,00,000 CTC (6 LPA) is ₹43,151 in hand per month, FY 2026-27: ₹5,24,357 a year with no income tax. See the breakup and what changes it. - [6.5 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/6.5-lpa/): A ₹6,50,000 CTC (6.5 LPA) is ₹47,217 in hand per month, FY 2026-27: ₹5,73,155 a year with no income tax. See the breakup and what changes it. - [7 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/7-lpa/): A ₹7,00,000 CTC (7 LPA) is ₹51,284 in hand per month, FY 2026-27: ₹6,21,953 a year with no income tax. See the breakup and what changes it. - [7.5 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/7.5-lpa/): A ₹7,50,000 CTC (7.5 LPA) is ₹55,350 in hand per month, FY 2026-27: ₹6,70,751 a year with no income tax. See the breakup and what changes it. - [8 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/8-lpa/): A ₹8,00,000 CTC (8 LPA) is ₹59,417 in hand per month, FY 2026-27: ₹7,19,549 a year with no income tax. See the breakup and what changes it. - [8.5 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/8.5-lpa/): A ₹8,50,000 CTC (8.5 LPA) is ₹63,483 in hand per month, FY 2026-27: ₹7,68,347 a year with no income tax. See the breakup and what changes it. - [9 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/9-lpa/): A ₹9,00,000 CTC (9 LPA) is ₹67,550 in hand per month, FY 2026-27: ₹8,17,145 a year with no income tax. See the breakup and what changes it. - [9.5 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/9.5-lpa/): A ₹9,50,000 CTC (9.5 LPA) is ₹71,617 in hand per month, FY 2026-27: ₹8,65,944 a year with no income tax. See the breakup and what changes it. - [10 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/10-lpa/): A ₹10,00,000 CTC (10 LPA) is ₹75,683 in hand per month, FY 2026-27: ₹9,14,741 a year with no income tax. See the breakup and what changes it. - [10.5 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/10.5-lpa/): A ₹10,50,000 CTC (10.5 LPA) is ₹79,750 in hand per month, FY 2026-27: ₹9,63,540 a year with no income tax. See the breakup and what changes it. - [11 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/11-lpa/): A ₹11,00,000 CTC (11 LPA) is ₹83,816 in hand per month, FY 2026-27: ₹10,12,338 a year with no income tax. See the breakup and what changes it. - [11.5 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/11.5-lpa/): A ₹11,50,000 CTC (11.5 LPA) is ₹87,883 in hand per month, FY 2026-27: ₹10,61,136 a year with no income tax. See the breakup and what changes it. - [12 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/12-lpa/): A ₹12,00,000 CTC (12 LPA) is ₹91,949 in hand per month, FY 2026-27: ₹11,09,934 a year with no income tax. See the breakup and what changes it. - [12.5 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/12.5-lpa/): A ₹12,50,000 CTC (12.5 LPA) is ₹96,016 in hand per month, FY 2026-27: ₹11,58,732 a year with no income tax. See the breakup and what changes it. - [13 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/13-lpa/): A ₹13,00,000 CTC (13 LPA) is ₹1,00,082 in hand per month, FY 2026-27: ₹12,07,530 a year with no income tax. See the breakup and what changes it. - [13.5 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/13.5-lpa/): A ₹13,50,000 CTC (13.5 LPA) is ₹1,03,006 in hand per month, FY 2026-27: ₹12,42,608 a year with ₹13,720 income tax a year. See the breakup and what changes it. - [14 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/14-lpa/): A ₹14,00,000 CTC (14 LPA) is ₹1,02,842 in hand per month, FY 2026-27: ₹12,40,656 a year with ₹64,470 income tax a year. See the breakup and what changes it. - [14.5 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/14.5-lpa/): A ₹14,50,000 CTC (14.5 LPA) is ₹1,05,642 in hand per month, FY 2026-27: ₹12,74,244 a year with ₹79,680 income tax a year. See the breakup and what changes it. - [15 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/15-lpa/): A ₹15,00,000 CTC (15 LPA) is ₹1,09,074 in hand per month, FY 2026-27: ₹13,15,432 a year with ₹87,290 income tax a year. See the breakup and what changes it. - [16 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/16-lpa/): A ₹16,00,000 CTC (16 LPA) is ₹1,15,938 in hand per month, FY 2026-27: ₹13,97,798 a year with ₹1,02,520 income tax a year. See the breakup and what changes it. - [17 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/17-lpa/): A ₹17,00,000 CTC (17 LPA) is ₹1,22,801 in hand per month, FY 2026-27: ₹14,80,165 a year with ₹1,17,750 income tax a year. See the breakup and what changes it. - [18 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/18-lpa/): A ₹18,00,000 CTC (18 LPA) is ₹1,29,439 in hand per month, FY 2026-27: ₹15,59,821 a year with ₹1,35,690 income tax a year. See the breakup and what changes it. - [19 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/19-lpa/): A ₹19,00,000 CTC (19 LPA) is ₹1,35,881 in hand per month, FY 2026-27: ₹16,37,117 a year with ₹1,55,990 income tax a year. See the breakup and what changes it. - [20 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/20-lpa/): A ₹20,00,000 CTC (20 LPA) is ₹1,42,322 in hand per month, FY 2026-27: ₹17,14,413 a year with ₹1,76,290 income tax a year. See the breakup and what changes it. - [21 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/21-lpa/): A ₹21,00,000 CTC (21 LPA) is ₹1,48,763 in hand per month, FY 2026-27: ₹17,91,709 a year with ₹1,96,590 income tax a year. See the breakup and what changes it. - [22 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/22-lpa/): A ₹22,00,000 CTC (22 LPA) is ₹1,55,019 in hand per month, FY 2026-27: ₹18,66,775 a year with ₹2,19,120 income tax a year. See the breakup and what changes it. - [23 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/23-lpa/): A ₹23,00,000 CTC (23 LPA) is ₹1,61,038 in hand per month, FY 2026-27: ₹19,39,002 a year with ₹2,44,490 income tax a year. See the breakup and what changes it. - [24 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/24-lpa/): A ₹24,00,000 CTC (24 LPA) is ₹1,67,056 in hand per month, FY 2026-27: ₹20,11,218 a year with ₹2,69,870 income tax a year. See the breakup and what changes it. - [25 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/25-lpa/): A ₹25,00,000 CTC (25 LPA) is ₹1,73,075 in hand per month, FY 2026-27: ₹20,83,444 a year with ₹2,95,240 income tax a year. See the breakup and what changes it. - [26 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/26-lpa/): A ₹26,00,000 CTC (26 LPA) is ₹1,78,949 in hand per month, FY 2026-27: ₹21,53,940 a year with ₹3,22,340 income tax a year. See the breakup and what changes it. - [27 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/27-lpa/): A ₹27,00,000 CTC (27 LPA) is ₹1,84,545 in hand per month, FY 2026-27: ₹22,21,086 a year with ₹3,52,790 income tax a year. See the breakup and what changes it. - [28 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/28-lpa/): A ₹28,00,000 CTC (28 LPA) is ₹1,90,140 in hand per month, FY 2026-27: ₹22,88,232 a year with ₹3,83,240 income tax a year. See the breakup and what changes it. - [29 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/29-lpa/): A ₹29,00,000 CTC (29 LPA) is ₹1,95,736 in hand per month, FY 2026-27: ₹23,55,379 a year with ₹4,13,690 income tax a year. See the breakup and what changes it. - [30 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/30-lpa/): A ₹30,00,000 CTC (30 LPA) is ₹2,01,331 in hand per month, FY 2026-27: ₹24,22,525 a year with ₹4,44,140 income tax a year. See the breakup and what changes it. - [31 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/31-lpa/): A ₹31,00,000 CTC (31 LPA) is ₹2,06,927 in hand per month, FY 2026-27: ₹24,89,671 a year with ₹4,74,590 income tax a year. See the breakup and what changes it. - [32 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/32-lpa/): A ₹32,00,000 CTC (32 LPA) is ₹2,12,522 in hand per month, FY 2026-27: ₹25,56,817 a year with ₹5,05,040 income tax a year. See the breakup and what changes it. - [33 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/33-lpa/): A ₹33,00,000 CTC (33 LPA) is ₹2,18,118 in hand per month, FY 2026-27: ₹26,23,963 a year with ₹5,35,490 income tax a year. See the breakup and what changes it. - [34 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/34-lpa/): A ₹34,00,000 CTC (34 LPA) is ₹2,23,713 in hand per month, FY 2026-27: ₹26,91,109 a year with ₹5,65,940 income tax a year. See the breakup and what changes it. - [35 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/35-lpa/): A ₹35,00,000 CTC (35 LPA) is ₹2,29,309 in hand per month, FY 2026-27: ₹27,58,256 a year with ₹5,96,390 income tax a year. See the breakup and what changes it. - [36 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/36-lpa/): A ₹36,00,000 CTC (36 LPA) is ₹2,34,904 in hand per month, FY 2026-27: ₹28,25,402 a year with ₹6,26,840 income tax a year. See the breakup and what changes it. - [37 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/37-lpa/): A ₹37,00,000 CTC (37 LPA) is ₹2,40,500 in hand per month, FY 2026-27: ₹28,92,547 a year with ₹6,57,290 income tax a year. See the breakup and what changes it. - [38 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/38-lpa/): A ₹38,00,000 CTC (38 LPA) is ₹2,46,095 in hand per month, FY 2026-27: ₹29,59,694 a year with ₹6,87,740 income tax a year. See the breakup and what changes it. - [39 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/39-lpa/): A ₹39,00,000 CTC (39 LPA) is ₹2,51,691 in hand per month, FY 2026-27: ₹30,26,840 a year with ₹7,18,190 income tax a year. See the breakup and what changes it. - [40 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/40-lpa/): A ₹40,00,000 CTC (40 LPA) is ₹2,57,286 in hand per month, FY 2026-27: ₹30,93,986 a year with ₹7,48,640 income tax a year. See the breakup and what changes it. - [41 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/41-lpa/): A ₹41,00,000 CTC (41 LPA) is ₹2,62,882 in hand per month, FY 2026-27: ₹31,61,132 a year with ₹7,79,090 income tax a year. See the breakup and what changes it. - [42 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/42-lpa/): A ₹42,00,000 CTC (42 LPA) is ₹2,68,477 in hand per month, FY 2026-27: ₹32,28,278 a year with ₹8,09,540 income tax a year. See the breakup and what changes it. - [43 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/43-lpa/): A ₹43,00,000 CTC (43 LPA) is ₹2,74,073 in hand per month, FY 2026-27: ₹32,95,424 a year with ₹8,39,990 income tax a year. See the breakup and what changes it. - [44 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/44-lpa/): A ₹44,00,000 CTC (44 LPA) is ₹2,79,668 in hand per month, FY 2026-27: ₹33,62,571 a year with ₹8,70,440 income tax a year. See the breakup and what changes it. - [45 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/45-lpa/): A ₹45,00,000 CTC (45 LPA) is ₹2,85,264 in hand per month, FY 2026-27: ₹34,29,717 a year with ₹9,00,890 income tax a year. See the breakup and what changes it. - [46 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/46-lpa/): A ₹46,00,000 CTC (46 LPA) is ₹2,90,859 in hand per month, FY 2026-27: ₹34,96,863 a year with ₹9,31,340 income tax a year. See the breakup and what changes it. - [47 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/47-lpa/): A ₹47,00,000 CTC (47 LPA) is ₹2,96,455 in hand per month, FY 2026-27: ₹35,64,009 a year with ₹9,61,790 income tax a year. See the breakup and what changes it. - [48 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/48-lpa/): A ₹48,00,000 CTC (48 LPA) is ₹3,02,050 in hand per month, FY 2026-27: ₹36,31,155 a year with ₹9,92,240 income tax a year. See the breakup and what changes it. - [49 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/49-lpa/): A ₹49,00,000 CTC (49 LPA) is ₹3,07,646 in hand per month, FY 2026-27: ₹36,98,301 a year with ₹10,22,690 income tax a year. See the breakup and what changes it. - [50 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/50-lpa/): A ₹50,00,000 CTC (50 LPA) is ₹3,13,242 in hand per month, FY 2026-27: ₹37,65,448 a year with ₹10,53,140 income tax a year. See the breakup and what changes it. - [55 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/55-lpa/): A ₹55,00,000 CTC (55 LPA) is ₹3,31,175 in hand per month, FY 2026-27: ₹39,80,638 a year with ₹13,25,930 income tax a year. See the breakup and what changes it. - [60 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/60-lpa/): A ₹60,00,000 CTC (60 LPA) is ₹3,57,884 in hand per month, FY 2026-27: ₹43,01,149 a year with ₹14,93,400 income tax a year. See the breakup and what changes it. - [65 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/65-lpa/): A ₹65,00,000 CTC (65 LPA) is ₹3,84,592 in hand per month, FY 2026-27: ₹46,21,650 a year with ₹16,60,880 income tax a year. See the breakup and what changes it. - [70 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/70-lpa/): A ₹70,00,000 CTC (70 LPA) is ₹4,11,301 in hand per month, FY 2026-27: ₹49,42,161 a year with ₹18,28,350 income tax a year. See the breakup and what changes it. - [75 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/75-lpa/): A ₹75,00,000 CTC (75 LPA) is ₹4,38,010 in hand per month, FY 2026-27: ₹52,62,662 a year with ₹19,95,830 income tax a year. See the breakup and what changes it. - [80 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/80-lpa/): A ₹80,00,000 CTC (80 LPA) is ₹4,64,719 in hand per month, FY 2026-27: ₹55,83,172 a year with ₹21,63,300 income tax a year. See the breakup and what changes it. - [90 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/90-lpa/): A ₹90,00,000 CTC (90 LPA) is ₹5,18,136 in hand per month, FY 2026-27: ₹62,24,184 a year with ₹24,98,250 income tax a year. See the breakup and what changes it. - [100 LPA](https://inhandsalarycalculatorindia.com/in-hand-salary/100-lpa/): 100 LPA is ₹5,71,553 in hand per month (FY 2026-27), ₹68,65,185 a year, ₹28,33,210 tax. See the breakup and what changes it. ## About and method - [Methodology](https://inhandsalarycalculatorindia.com/methodology/): Every rule behind the in-hand salary calculator for FY 2026-27: tax slabs, PF, ESI, professional tax and HRA, each with its source, check date and tests. - [About](https://inhandsalarycalculatorindia.com/about/): Why Zishan Khan, a solopreneur from India, built the in-hand salary calculator: a free, private way to turn CTC into take-home pay with every step shown. - [Editorial policy](https://inhandsalarycalculatorindia.com/editorial-policy/): How pages on this site are drafted, reviewed by Zishan Khan and corrected, which sources the rules come from, and when pages are checked again. - [Contact](https://inhandsalarycalculatorindia.com/contact/): Email the in-hand salary calculator to report a wrong number, ask about a source or make a privacy request. Here is what to include so we can check it. ## Optional - [Privacy](https://inhandsalarycalculatorindia.com/privacy/): What the in-hand salary calculator collects: calculations run in your browser, share links carry your inputs, and visits are counted without cookies. - [Terms](https://inhandsalarycalculatorindia.com/terms/): Plain-English terms for using the in-hand salary calculator: free to use, estimates only, no warranty, who runs the site and how to reach us. - [Disclaimer](https://inhandsalarycalculatorindia.com/disclaimer/): The in-hand salary calculator gives estimates for planning, not tax or payroll advice. Why your payslip can differ and what to check before you rely on it. Full rules and defaults: https://inhandsalarycalculatorindia.com/llms-full.txt