Salary In-Hand Calculator India 2026

CTC, gross salary and in-hand pay are different layers

CTC is the employer's annual cost. Gross salary is cash salary before employee deductions after employer-side components modelled here. In-hand salary is gross after employee PF, tax, professional tax and other deductions. The calculator keeps all three visible.

FY 2026-27 and AY 2027-28

Salary earned from April 2026 through March 2027 belongs to FY 2026-27 and is assessed in AY 2027-28. The calculator applies the chosen FY rules and displays its matching AY next to the selector.

Source and Methodology

Last reviewed: 23 August 2026

Tax rules are versioned by financial year in the income-tax engine. Employer and employee PF, professional tax and other deductions are shown as separate reconciliation lines. Calculation version 2026-08-17.1 adds a ₹12 lakh annual-to-monthly reconciliation fixture and explicit unit labels.

What parts of CTC may not become monthly in-hand salary?

CTC is an employer-cost figure, not a guaranteed bank-credit figure. Depending on the offer structure, it can include employer PF, gratuity accrual, insurance premiums, annual or variable bonus, retention pay, meal or transport benefits and other employer-funded items. This calculator preserves its existing formula and treats annual CTC divided by 12 as the starting monthly amount, so users whose CTC contains large employer-side or deferred components should enter deductions conservatively and compare the result with the salary breakup in the offer letter or payslip.

• Basic salary: the fixed salary component used for several payroll calculations.
• HRA: a salary component that may be part of gross pay; income-tax exemption depends on eligibility and regime rules.
• Employee PF: deducted from salary where applicable and therefore reduces monthly take-home.
• Employer PF: an employer-side contribution that may be included in CTC but is not monthly take-home cash.
• Gratuity: often shown as a CTC cost or accrual; it is not normally a monthly cash payment to the employee.
• Professional tax: a state-specific payroll deduction where applicable.
• TDS: payroll withholding based on estimated taxable income, declarations and the selected tax regime.

How basic salary, HRA, PF, gratuity and professional tax affect take-home pay

Basic salary and HRA describe the salary structure, while employee PF, TDS and professional tax are common deductions from cash salary. Employer PF and gratuity can increase CTC without increasing the monthly bank credit by the same amount. The exact split differs by employer and state, so a CTC-to-in-hand estimate should be reconciled with the employer's salary breakup instead of assuming every CTC rupee is monthly gross pay.

Why the tax-regime comparison belongs in the salary journey

TDS is one of the largest deductions for many salaried employees, but this calculator accepts monthly tax as an input rather than calculating final income tax itself. Use the Old vs New Tax Regime Calculator for a rule-driven tax estimate, then bring the resulting monthly TDS assumption back here when modelling take-home pay. This keeps salary structure and tax calculation as separate, auditable steps.

Source and methodology for the salary breakdown

Last reviewed: 23 August 2026

The calculator's numeric formulas are unchanged. The additional explanation documents what the existing inputs do and where CTC can differ from monthly gross cash salary. PF treatment should be checked against the employee's actual EPF-covered wage and employer payroll policy; professional tax depends on the applicable state; and final TDS should be reconciled with Form 16, payroll declarations and the Income Tax Department filing utility.