CTC to In-Hand Salary

Estimate your monthly take-home pay from your annual CTC, after PF, professional tax and income tax (new regime).

Annual CTC

Basic salary (% of CTC)

Professional tax (per year; Delhi: nil)

Estimated monthly take-home ₹0

₹0 per year

Annual CTC₹0

Less: employer PF₹0

Less: gratuity provision₹0

Gross salary₹0

Less: employee PF₹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, deduct the employer's PF (12% of basic, on the ₹15,000 ceiling) and a gratuity provision (4.81% of basic) to arrive at gross salary, then deduct your own PF (12% of basic), professional tax and income tax. Income tax uses the new regime for FY 2025-26 with the ₹75,000 standard deduction and 87A rebate. 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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