CTC to In-Hand Salary

Estimate your monthly take-home pay from your annual CTC after PF, ESI, gratuity, professional tax and income tax (new regime). Not covered under PF, ESI or gratuity? Just deselect them below.

Annual CTC

Basic salary (% of CTC)

Professional tax (per year; Delhi: nil)

Which deductions apply to you? (deselect any you're not covered under)

Provident Fund (EPF) ESI Gratuity

Estimated monthly take-home ₹0

₹0 per year

Annual CTC₹0

Less: employer PF₹0

Less: employer ESI₹0

Less: gratuity provision₹0

Gross salary₹0

Less: employee PF₹0

Less: employee ESI₹0

Less: professional tax₹0

Less: income tax (TDS)₹0

Net annual take-home₹0

Compare tax regimes

How this estimate works & assumptions. We treat basic salary as your chosen % of CTC. If PF is selected, we deduct employer PF (12% of basic, capped at the ₹15,000/month wage ceiling) from CTC and employee PF (12% of basic) from your salary. If gratuity is selected, a provision of 4.81% of basic is set aside in CTC (an employer cost, not a salary deduction). If ESI is selected and eligible (monthly gross up to ₹21,000), employee ESI is 0.75% and employer ESI 3.25% of gross. Deselect any benefit you are not covered under. Income tax uses the new regime with the ₹75,000 standard deduction and the ₹60,000 rebate (Section 87A of the 1961 Act; Section 156 of the Income-tax Act, 2025) — the slabs are identical for FY 2025-26 (AY 2026-27) and FY 2026-27 (Tax Year 2026-27), as Budget 2026 made no rate changes, so the same result applies to both years. Real pay structures vary — allowances, NPS, insurance and bonus all change the result, and Delhi levies no professional tax. This is a guide, not tax advice. To compare regimes precisely, use our income tax calculator.

Negotiating an offer or structuring salaries?

How a CTC is split affects both take-home and tax. Whether you're an employee weighing an offer or a founder designing payroll, our Saket team can help — see ITR advisory or book a free consultation.

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