Aisha K.
Mar 12, 2026
Clean layout and the results update instantly. Exactly what I needed for a quick planning check.
Legal, HR & Payroll Management
CTC to In Hand Salary Calculator India (HRA, PF & Tax)
See net pay instantly
India CTC to in-hand salary calculator: break down basic, HRA, special allowance, employee PF, FY 2025-26 tax under new or old regime, and compare negotiation scenarios before you accept an offer.
Offer breakdown
Tax regime
Salary components
| Component | Annual | Monthly |
|---|---|---|
| Basic Salary | ₹6,97,507 | ₹58,126 |
| HRA | ₹3,48,754 | ₹29,063 |
| Special Allowance | ₹6,97,507 | ₹58,126 |
| Variable Pay | ₹2,00,000 | ₹16,667 |
| Employee PF (−) | ₹21,600 − | ₹1,800 |
| Income Tax (−) | ₹2,53,916 − | ₹21,160 |
| Professional Tax (−) | ₹2,400 − | ₹200 |
Tax slab breakdown (new regime)
| Slab (₹) | Rate | Tax |
|---|---|---|
| ₹0 – ₹3,00,000 | 0% | ₹0 |
| ₹3,00,000 – ₹7,00,000 | 5% | ₹20,000 |
| ₹7,00,000 – ₹10,00,000 | 10% | ₹30,000 |
| ₹10,00,000 – ₹12,00,000 | 15% | ₹30,000 |
| ₹12,00,000 – ₹15,00,000 | 20% | ₹60,000 |
| ₹15,00,000 – above | 30% | ₹1,04,150 |
| Cess (4%) | ₹9,766 | |
Negotiation: raise basic salary
Higher basic increases PF and HRA (old regime) but may change tax — model before you sign.
FY 2025-26 India tax slabs. Employer structures vary — confirm with HR before negotiating.
Plain-English guide
Terms & how it works
Confused by a field? Read the short definitions here while you use the tool.
Use workspace controls
The “Use workspace controls” value used in this tool’s formula. Adjust it to see results update live.
- CTC
Cost to company
Total employer cost including PF/gratuity.
- 80C
Section 80C
Old regime deduction up to ₹1.5L.
How this calculator works
India CTC to in-hand salary calculator: break down basic, HRA, special allowance, employee PF, FY 2025-26 tax under new or old regime, and compare negotiation scenarios before you accept an offer. Gross from CTC minus employer costs → PF and slab tax → monthly in-hand; old regime adds HRA exemption and 80C/80D. Example: ₹18 L CTC, 40% basic, new regime → ~₹1.05 L/mo in-hand after PF and tax.
Gross from CTC minus employer costs → PF and slab tax → monthly in-hand; old regime adds HRA exemption and 80C/80D.
Example: ₹18 L CTC, 40% basic, new regime → ~₹1.05 L/mo in-hand after PF and tax.
When to use this Salary CTC to In-Hand
Common use cases
- Compare in-hand pay before accepting a job offer
- Break down CTC into basic, HRA, allowances, and PF
- Choose new vs old tax regime with HRA and 80C modeled
- Negotiate higher basic and see monthly in-hand impact
Localized examples
- India FY 2025-26 income tax slabs
- Metro vs non-metro HRA exemption rules
- Employee PF capped at ₹1,800/month on basic
What you get
- CTC split into basic, HRA, special allowance, variable pay
- Employee PF, professional tax, and slab-wise income tax
- Old vs new regime comparison on one screen
- Negotiation mode — raise basic % and compare in-hand
How to Calculate Salary CTC to In-Hand Step-by-Step
- 1Enter annual CTC, basic % of gross, HRA % of basic, and variable pay.
- 2Toggle metro city; add rent, 80C, and 80D for old regime.
- 3Choose new vs old tax regime and review slab-wise tax.
- 4Use negotiation mode to test raising basic before signing.
Governing formula
In-hand = Gross − Employee PF − Income Tax − PT · Tax per FY 2025-26 slabs
India CTC unpacked into basic, HRA, allowances, PF, and income tax under new or old regime with HRA and 80C deductions.
Example: set Use workspace controls = 0, then read the result.
Variable definitions
- CTC
Cost to company
Total employer cost including PF/gratuity.
- 80C
Section 80C
Old regime deduction up to ₹1.5L.
- Verify with HR/payroll—employer structures vary.
Frequently Asked Questions
Start from CTC, subtract employer PF/gratuity to get gross, then deduct employee PF, income tax (per regime), and professional tax. Variable pay is included in the annual total.
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Reviews & Ratings
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4.8
out of 5.0
4 reviews
Daniel R.
Feb 28, 2026
Very usable on mobile. Would love a save/export option later, but the math feels solid.
Priya S.
Feb 3, 2026
The FAQ section answered my questions before I even had to search. Smooth dark mode too.
Marcus L.
Jan 19, 2026
Simple inputs, clear outputs. This replaced three bookmarks I used to juggle.
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