CTC to In-Hand Salary
CTC to In-Hand Salary
A rough estimate of your monthly take-home pay from your annual CTC, under the new tax regime.
₹
%
Often 40–50% of CTC. Affects your PF and gratuity.
A rough estimate under the new tax regime (FY 2025-26 slabs; standard deduction ₹75,000; no tax up to ₹12L taxable). It assumes employer PF and gratuity are inside your CTC, a basic-pay percentage you choose, and a flat ₹2,400 professional tax (varies by state). It ignores HRA and other allowances, variable pay, NPS, and old-regime deductions. Your actual payslip will differ — treat this as a ballpark.
Got your number? Plan it
Use the 50-30-20 planner to split your in-hand pay sensibly.