In-Hand Salary Calculator India (2026) – Monthly & CTC Breakdown
Offer Letter vs Bank Account. See exactly how much money you will actually get.
Your offer letter might say ₹12 Lakhs CTC, but what hits your bank account is often much less. The In-Hand Salary Calculator bridges this gap. It removes the "inflated" components like Gratuity, Employer PF, and Variables to show you your Real Monthly Take-Home Salary after tax deductions for FY 2025-26.
Estimated Monthly Credit
₹0
Analysis
Your in-hand is lower due to PF and Tax.
Plan your budget based on In-Hand, not CTC.
CTC is a Myth. In-Hand is Reality.
Companies often inflate the "Cost to Company" (CTC) figure to make the package look attractive. Here is what they include but you don't get monthly:
- Gratuity: You only get this when you leave the company after 5 years.
- Employer's PF Contribution: This goes to your EPF account, not your bank account.
- Variable Pay / Performance Bonus: Paid once a year (maybe), not monthly.
- Insurance Premiums: Deducted for group health cover.
📄 Real Payslip Breakdown (Example)
For a ₹12 Lakh CTC Package (New Regime)
| Component | Monthly Amount | Note |
|---|---|---|
| Basic Salary | ₹ 50,000 | Fully Taxable |
| HRA | ₹ 25,000 | Tax Exempt (Old Regime) |
| Special Allowance | ₹ 21,200 | Balancing Figure |
| Provident Fund (PF) | - ₹ 1,800 | 12% of Basic (Capped) |
| Professional Tax | - ₹ 200 | State Tax |
| Income Tax (TDS) | - ₹ 3,450 | New Regime Estimate |
| Net In-Hand Salary | ₹ 90,750 | CTC was ₹1 Lakh/month! |
Plan Your Salary Better
Frequently Asked Questions
What is the difference between CTC and in-hand salary?▼
CTC includes all salary components, while in-hand salary is the amount received after statutory deductions.
Is Professional Tax mandatory?▼
Professional tax is a state-level tax applicable in many Indian states, depending on salary slabs.