In-Hand Salary Calculator

Offer letters quote CTC in lakhs per annum, but rent and EMIs are paid from the monthly credit. The gap between the two surprises many first-time employees. On a 6 LPA offer with basic at 50%, about ₹50,400 a year goes to employer PF and gratuity before you see a payslip, and another ₹38,500 goes to your own PF and professional tax. The in-hand salary comes to ₹42,590 a month, with no income tax in the new regime.

As a rough guide for 2026-27 in the new regime, with basic at 50%, PF on the ceiling, gratuity in CTC and ₹2,500 professional tax: 10 LPA leaves about ₹75,100 a month, 15 LPA about ₹1,08,600 and 25 LPA about ₹1,72,700. Up to roughly ₹12.75 lakh of gross salary there is no income tax at all, thanks to the ₹75,000 standard deduction and the rebate on taxable income up to ₹12 lakh.

At low salaries ESI also applies. When gross pay is ₹21,000 a month or less, 0.75% is cut from your pay and the employer adds 3.25%, both under the Employees' State Insurance scheme, in exchange for medical cover. A CTC of ₹2,40,000 with no gratuity leaves about ₹16,660 a month after PF, ESI and professional tax.

Variable pay is kept out of the monthly figure on purpose. It is paid once or twice a year, only if targets are met, and tax on it is cut when it is paid. The calculator shows the bonus after the extra tax separately so you do not plan a budget around money that may not come.

The table lists every head both monthly and yearly: basic, HRA, special allowance, gross, employee PF, professional tax, income tax and in-hand pay, and then the parts of CTC that are not paid monthly. That is the same layout most payslips use, so you can compare line by line when the first one arrives.

The figures you type are worked out on your device and never leave it. There is no upload, no account and no saved history, and only an anonymous count of uses is recorded.

Salary structures vary between employers, so treat the answer as a close estimate rather than a promise. HR can tell you the exact basic share and PF rule, and the payslip is the final word.