In-hand Salary Calculator — CTC to take-home

Turn an annual CTC into an estimated monthly in-hand salary. The calculator takes out the usual components — PF, gratuity provision, professional tax and New-regime income tax — using standard assumptions.

Loan amount

Interest rate (p.a.)

Tenure

Extra monthly prepayment (optional)

Monthly EMI

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PrincipalInterest

Principal

Total interest

Total payable

Amortization schedule (year-wise)

Year	Principal	Interest	Balance

Monthly investment

Expected return (p.a.)

Time period

Annual step-up

Projected value

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InvestedReturns

Invested amount

Est. returns

Step-up raises your monthly amount each year — a powerful way to grow wealth as income rises.

One-time investment

Expected return (p.a.)

Time period

Future value

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Invested

Est. returns

How much to invest monthly to reach a target corpus.

Target amount

Expected return (p.a.)

Years to goal

Monthly SIP needed

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One-time lumpsum alternative

Total you'll invest (SIP)

Deposit amount

Interest rate (p.a.)

Tenure (years)

Compounding

Maturity value

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Principal

Interest earned

Recurring deposit — a fixed amount every month, compounded quarterly.

Monthly deposit

Interest rate (p.a.)

Tenure (months)

Maturity value

—

Total deposited

Interest earned

Public Provident Fund — yearly deposit, compounded annually (15-year lock-in).

Yearly deposit

Interest rate (p.a.)

Duration (years)

Maturity value

—

Total deposited

Interest earned (tax-free)

Amount (₹)

GST rate

Amount type

Total amount

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Base amount

GST (18%)

CGST + SGST

Compare the New and Old regimes side by side (FY 2025-26). Enter deductions for the Old regime.

Annual gross income

Old-regime deductions (80C, HRA, etc.)

New regime

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Old regime

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You save by choosing the better one

New Regime: nil up to ₹12,00,000 taxable (§87A), incl. 4% cess. Old Regime: ₹2.5L exempt, then 5/20/30% slabs on (income − deductions), incl. cess. Indicative estimate — not tax advice.

Bill / price (₹)

Mode

Percentage

You pay

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Discount

Systematic Withdrawal Plan — how long your corpus lasts while you draw a fixed amount each month.

Corpus invested

Monthly withdrawal

Expected return (p.a.)

Period

Balance after period

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Total withdrawn

Corpus status

Sukanya Samriddhi Yojana — deposit yearly for 15 years; matures in 21 years. Interest compounded annually, fully tax-free (EEE).

Yearly deposit (max ₹1.5L)

Interest rate (p.a.)

Maturity value (21 years)

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Total deposited (15 yrs)

Interest earned (tax-free)

National Pension System — corpus at 60, then min 40% buys an annuity (pension).

Monthly contribution

Expected return (p.a.)

Your age

Annuity return (p.a.)

Corpus at 60

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Lumpsum at 60 (60%, tax-free)

Annuity corpus (40%)

Est. monthly pension

Gratuity under the Payment of Gratuity Act = last salary (Basic + DA) × 15 ÷ 26 × years of service.

Last monthly salary (Basic + DA)

Years of service

Gratuity payable

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Tax-exempt limit₹20,00,000

Eligible after 5 years of continuous service. Amount above ₹20 lakh is taxable.

Estimate your monthly in-hand from annual CTC (New tax regime, standard assumptions).

Annual CTC

Estimated monthly in-hand

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Annual in-hand

Employee PF

Income tax (New regime)

Professional tax

Indicative only. Assumes Basic = 50% of CTC, employer + employee PF at 12% of Basic, gratuity provision, ₹75,000 standard deduction, ₹2,500/yr professional tax. Your actual structure varies.

How big a loan you may qualify for, from your income and existing EMIs (FOIR method).

Net monthly income

Existing monthly EMIs

Interest rate (p.a.)

Tenure

FOIR (income share for EMIs)

Eligible loan amount

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Max affordable EMI

Mode

Principal

Rate (p.a.)

Time

Total amount

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Interest

Absolute return

What today's money will cost — and be worth — in the future.

Amount today

Inflation rate (p.a.)

Years

Future cost of the same basket

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Today's amount will then be worth

How the In-hand Salary Calculator works

Assumptions: Basic = 50% of CTC; employee and employer PF each 12% of Basic, capped at ₹21,600 a year; gratuity provision 4.81% of Basic; ₹75,000 standard deduction; ₹2,500 a year professional tax.

In-hand = CTC − employer PF − gratuity − employee PF − professional tax − income tax

Real salary structures differ (allowances, variable pay, state professional tax), so treat the result as a ballpark.

Worked example

CTC of ₹12 lakh a year:

Employer + employee PF	₹21,600 + ₹21,600
Gratuity provision	₹28,860
Income tax (New)	₹0
Annual in-hand	₹11,25,440

That is roughly ₹93,787 a month in hand.

Load these numbers into the calculator →

Frequently asked questions

Why is in-hand salary lower than CTC?

CTC includes the employer's PF contribution and gratuity provision, which you do not receive monthly, and your own PF, professional tax and income tax are deducted from pay.

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PaisaCalc results are arithmetic estimates from the inputs you enter and the formulas shown. They are not financial, investment or tax advice; rates, rules and your own situation vary, so check with your bank, fund house or a qualified adviser before deciding.