In-Hand Salary Calculator (FY 2025–26)
Free CTC to in-hand salary calculator for India
CTC breakup
Annual: ₹ 13,29,722 · Tax: ₹ 88,503
Annual: ₹ 11,85,559 · Tax: ₹ 2,32,666
Frequently asked questions
How is in-hand salary calculated from CTC in India?
In-hand salary = CTC − Employer PF − Gratuity − Employee PF − Professional Tax − Income Tax. We split CTC into Basic (50%), HRA (40% of basic), and Special Allowance, then deduct PF (12% of basic, capped), gratuity (4.81% of basic), and applicable income tax.
Which regime gives more in-hand salary — Old or New?
For most salaried Indians under ₹15 LPA without big 80C/HRA claims, the New Regime (FY 2025–26) gives higher in-hand salary because of the ₹12L rebate. If you claim ₹2.5L+ in deductions (80C + HRA + 80D + home loan), the Old Regime can win.
Is gratuity included in CTC?
Yes, most Indian companies include gratuity in CTC at 4.81% of basic salary. You only receive gratuity after 5 years of continuous service, but it still appears as a CTC deduction on your salary breakup.
What is the PF deduction limit?
Employee PF is 12% of basic salary, but most companies cap basic-for-PF at ₹15,000/month (statutory wage ceiling). So maximum monthly PF = ₹1,800 unless your company contributes on full basic.
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