Find your exact monthly take-home salary â updated for FY 2025â26, new & old tax regime
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Enter total CTC â not just base salary
PPF, ELSS, LIC, EPF etc. (max âš1.5L)
Monthly In-Hand Salary
â
Gross Salary (Monthly)â
Basic Salaryâ
HRAâ
Special Allowanceâ
Employee PF (12%)â
Professional Taxâ
Income Tax (TDS)â
Take-Home (Monthly)â
Please enter a valid CTC amount.
What Is CTC and Why Is Your In-Hand Salary Much Lower?
This is probably the most confusing thing about getting your first job offer. Your offer letter says âš8 LPA (lakhs per annum), but when your first salary comes in, it's nowhere close to âš66,666 per month. Where did the rest go?
CTC stands for Cost to Company â it's the total amount your employer spends on you annually. This includes your actual salary AND costs the employer bears: their share of Provident Fund (12% of basic), gratuity contributions, sometimes group health insurance. These never appear in your bank account.
Then, from what remains (your gross salary), your employer deducts: Employee's PF (12% of basic), Professional Tax (state-specific, typically âš200/month), and Income Tax (TDS based on your tax regime).
Quick Rule of Thumb: For a typical salaried employee in India, in-hand salary is roughly 70â80% of CTC for packages under âš10L, and can drop to 65â70% for higher packages due to tax.
No â gross salary is your total monthly earnings before deductions. In-hand (or take-home) is what you actually receive after PF, professional tax, and income tax are subtracted. Gross is usually higher than take-home by 15â25%.
PF is 12% of your basic salary. Since basic is typically 40â50% of your CTC, the actual PF deduction comes to around 4.8â6% of your total CTC â and that's only the employee's share. Your employer contributes another 12% of basic (which is why they include "employer PF" in your CTC). The silver lining: it's your money, earning 8.25% interest annually.
Now that you know your actual take-home, you can negotiate smarter. If your employer offers flexibility, ask for more HRA (it's partially tax-exempt) or meal allowances, which reduce your taxable income. Always ask "what's the fixed gross" rather than just CTC â the gross is what your take-home is calculated from.
Yes, approximately. Under the new tax regime with standard assumptions (40% basic, metro HRA, 12% PF), a âš10 LPA CTC typically gives you âš69,000ââš73,000 monthly in-hand. Exact figures depend on your employer's salary structure and state. Use our calculator above for a personalised breakdown.