Find out your actual in-hand salary from CTC with our free calculator built for Indian salaried employees. Enter your CTC and see the complete breakdown — Basic, HRA, Special Allowance, PF deduction, Professional Tax, and Income Tax under both Old and New regimes for FY 2025-26.
Most people are surprised when their first salary hits the bank. A ₹10 LPA CTC doesn’t mean ₹83,333/month in hand. After PF, taxes, and deductions, you might see ₹65,000-₹72,000 depending on your tax regime. Our calculator shows you the exact number before you accept that offer letter.
How to Use This Calculator
- Enter your Annual CTC in Rupees.
- Enter HRA component (auto-estimated if left blank).
- Select your city type (Metro/Non-metro for HRA calculation).
- Click “Calculate” to see Old vs New Regime comparison.
Frequently Asked Questions
What is the difference between CTC and in-hand salary?
CTC (Cost to Company) includes everything the employer spends on you: basic salary, HRA, PF employer contribution, gratuity, insurance, bonuses, etc. In-hand salary is what you actually receive after deducting PF employee share, professional tax, and income tax. Typically, in-hand is 65-80% of CTC.
Which is better — Old Regime or New Regime for FY 2025-26?
The New Regime (default) has lower tax rates but no deductions. The Old Regime has higher rates but allows deductions under 80C, 80D, HRA, etc. If your total deductions exceed ₹3-4 lakh, the Old Regime may save more tax. Our calculator compares both to show which saves you more.
Is employer PF contribution part of CTC?
Yes, the employer’s 12% PF contribution is typically included in CTC. So for a ₹10 LPA CTC, about ₹21,600 goes to employer PF contribution annually (12% of Basic, capped at ₹15,000 basic). This reduces your in-hand salary but grows your PF corpus.