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CTC to In-Hand Salary Calculator
Break down your CTC, optimize deductions, and compare Old vs New tax regimes visually.
100% Client-Side Calculations
CTC & Salary Structure Settings
₹ 12,00,000
50%
Usually 4.81% of Basic salary is calculated towards gratuity provisions by HR.
Tax Deductions (Old Regime)
ExemptionsREGIME COMPARISON
NEW REGIME
MONTHLY IN-HAND
₹ 0
Annual: ₹ 0
OLD REGIME
MONTHLY IN-HAND
₹ 0
Annual: ₹ 0
Evaluating best regime...
Detailed Salary Component Breakdown
Legal Disclaimer
This calculator is provided solely for informational and educational purposes. Calculations are estimates based on standard algorithmic rules and inputs, and should not be construed as professional financial, legal, or tax advice. Actual tax liabilities and financial structures may vary depending on corporate policies, jurisdiction, and individual circumstances. Please consult with a certified financial planner or tax advisor before making any financial decisions.
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Frequently Asked Questions
Quick direct-answer guides about using this utility tool locally and securely.
What is the standard deduction for FY 2026-27?
The standard deduction is ₹75,000 under the New Regime and ₹50,000
under the Old Regime for FY 2026-27, allowed automatically from gross
salary — no proof or investment required to claim it.
under the Old Regime for FY 2026-27, allowed automatically from gross
salary — no proof or investment required to claim it.
How is HRA exemption calculated in the Old Regime?
HRA exemption equals the minimum of three values: actual HRA received, rent paid minus 10% of basic salary, or 50% of basic (metro cities) / 40% (non-metro). It's available only under the Old Regime.
What is the in-hand salary for 12 LPA CTC?
For a 12 LPA CTC, monthly in-hand salary typically ranges ₹75,000–₹85,000 after PF, professional tax, and standard deduction — the exact figure depends on your basic salary % and chosen regime. Enter ₹12,00,000 in the calculator above for your exact number.
Old Regime vs New Regime — which is better in FY 2026-27?
New Regime is generally better for salaries above ₹15 LPA with fewer deductions. Old Regime benefits those with high HRA, 80C investments (up to ₹1.5L), and home loan interest. Use our comparison tool to check your exact case.
How much PF is deducted from CTC?
12% of Basic Salary is deducted as Employee PF, and employer contributes another 12% — both form part of CTC, but only the employee's share reduces your in-hand salary.
What is gratuity and is it part of monthly salary?
Gratuity is approximately 4.81% of Basic Salary, paid by the employer only after 5 years of continuous service. It's included in CTC but never received monthly — shown separately in the breakup.
What is the difference between CTC and in-hand salary?
CTC (Cost to Company) is your total annual package including PF, gratuity, and other benefits, while in-hand salary is the actual monthly amount credited after deducting PF, professional tax, and TDS. In-hand is typically 70–85% of CTC.
Is professional tax deducted from CTC?
Yes, Professional Tax is deducted monthly and varies by state — typically ₹200/month in Maharashtra, Karnataka, and West Bengal, capped at ₹2,500/year as per state slabs. It applies under both tax regimes.
How is income tax calculated under the New Regime for FY 2026-27?
Under the New Regime for FY 2026-27, income up to ₹4 lakh is
tax-free, followed by slab rates: 5% (₹4-8L), 10% (₹8-12L), 15% (₹12-16L),
20% (₹16-20L), 25% (₹20-24L), and 30% above ₹24 lakh — plus a ₹75,000
standard deduction. Use the calculator to see your exact tax liability
slab-wise.
tax-free, followed by slab rates: 5% (₹4-8L), 10% (₹8-12L), 15% (₹12-16L),
20% (₹16-20L), 25% (₹20-24L), and 30% above ₹24 lakh — plus a ₹75,000
standard deduction. Use the calculator to see your exact tax liability
slab-wise.
Can I switch between Old and New Tax Regime every year?
Salaried individuals can switch between Old and New Regime every financial year while filing ITR. However, those with business income can switch only once in their lifetime.