CTC to in-hand salary calculator

Type your yearly package (CTC) and your state. We show how much money reaches your bank each month after PF, ESIC, state tax and income tax. Earning more? Try flexi pay to see how much tax you can save.

1. Your yearly package (CTC)The total yearly amount in your offer letter.

Rs 6 lakh a year

2. Where do you work?Some states take a small monthly tax (professional tax).

Advanced options (flexi pay, tax method, PF) - optional

Flexi pay (can save tax)

With flexi pay you move a part of your salary into tax-free benefits. Your yearly package stays the same, but you may pay less tax. Most useful for higher salaries.

Company contribution to your NPS (pension)Paid by your company into your pension account. Not taxed, up to 14% of basic. You get it at retirement, not in monthly cash.

Meal vouchersUp to Rs 200 per meal is tax-free (2026 rules). You spend them on food, not cash.

Gift vouchers up to Rs 15,000 a year (tax-free)Tax methodNew method is the default. Old method allows deductions like HRA and 80C. We pick the cheaper one if you choose Auto.

Old method only: other yearly deductions (Rs)HRA, home loan interest, 80D health insurance, 80C beyond PF. Leave 0 if unsure.

PF and basic payBasic pay is what % of your salary?Most companies keep it near 50%.

PF only on Rs 25,000 (lowest PF)Untick if your company takes PF on your full basic. That means less cash now, more savings later.Apply the 50% wage ruleIf basic is under 50% of pay, the law counts 50% of pay as wages for PF and gratuity.My CTC includes gratuity (4.81% of wages)Any other company cost inside CTC, per year (Rs)For example health insurance or bonus.

Money in your bank each month (after PF, tax and everything)Rs 43,156Rs 5,17,871 a year. Tax method used: new.

Where your yearly package goes

In your handRs 43,156 (86%)

PF (yours and employer's)Rs 5,535 (11%)

Professional taxRs 200 (0%)

Gratuity and otherRs 1,109 (2%)

All figures are per month. PF, NPS and gratuity are your savings, not a loss.

See full breakdown (tax, step by step, PF)

Income tax: new or old method?

New methodRs 0 a year

Old methodRs 0 a year

Cheaper for you: New method. Old method uses only the deductions you entered (PF, professional tax, standard deduction and any extra above). Add HRA or home loan interest to compare fairly.

Step by step, per month

Your package (CTC)Rs 50,000

Company's PF- Rs 2,767

Gratuity- Rs 1,109

Gross salary (before deductions)Rs 46,123

Your PF (12% on Rs 23,062)- Rs 2,767

Professional tax- Rs 200

Salary after PF and state taxRs 43,156

Income tax (spread over 12 months)- Rs 0

Money in your bankRs 43,156

Lowest PF or PF on full basic?

PF only on Rs 25,000Rs 43,156 a month

PF on full basicRs 43,156 a month

Same CTC, different bank money. Higher PF means less cash now and more savings later. If your basic is below the ceiling, both are equal.

This state charges Rs 300 professional tax in February instead of Rs 200. Annual total stays within the limit.

How this is calculated

CTC includes your employer's PF, ESIC and gratuity. We work backwards to find your gross salary.
PF is 12% from you and 12% from your employer. The EPF wage ceiling is now Rs 25,000 (notified 17 September 2026), so minimum PF is at most Rs 3,000 a month each side. Read what changed.
ESIC applies when gross is Rs 21,000 a month or less: 0.75% from you, 3.25% from your employer. ESIC guide.
Income tax uses FY 2026-27 slabs (new method: nil up to Rs 4 lakh, rebate up to Rs 12 lakh; old method: 2.5 lakh basic limit), 4% cess and surcharge above Rs 50 lakh. Standard deduction is Rs 75,000 (new) or Rs 50,000 (old).
Flexi pay: company NPS is tax-free up to 14% of basic (new method) or 10% (old method), within an overall Rs 7.5 lakh limit with company PF. Meal vouchers up to Rs 200 a meal and gift vouchers up to Rs 15,000 a year are tax-free under the 2026 rules.
Professional tax follows each state's slab. Delhi, UP, Haryana, Rajasthan, Uttarakhand and Himachal do not charge it. For other states, enter the amount yourself.
The 50% wage rule can raise the wage base used for PF and gratuity. Explainer.

This is an estimate, not payroll advice. Income tax here is a simple yearly estimate on salary only. It does not include other income, HRA (unless you add it as a deduction), Labour Welfare Fund, bonuses or company-specific deductions. The old-method surcharge above Rs 5 crore (37%) is not modelled. Professional tax slabs were compiled from public state-wise guides (HROne, Saral) and can change, so please confirm with your state portal or employer. Your payslip is the final word.

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