InHand CTC
Tax Year 2026–27

What actually hits your bank account.

India CTC to in-hand salary calculator for Tax Year 2026–27.

CTC is what the company spends on you. In-hand is what you take home after employer PF, gratuity, your PF, professional tax, and income tax. This calculator uses the Tax Year 2026–27 slabs (unchanged in Budget 2026).

Calculator mode

Basic: CTC, basic %, regime, state, EPF. Advanced adds HRA, 80C–80G, NPS, ESI, loans, LTA, and other income.

20% 40% 60%

Most Indian structures sit around 35–50% basic.

Tax regime

New: ₹75,000 standard deduction + 87A up to ₹12L taxable. Old: more exemptions (HRA, 80C, 80D, home loan…) with higher slabs.

Delhi, UP, Haryana, Rajasthan, and Punjab levy no professional tax. Elsewhere it is capped at ₹2,500 a year.

EPF on basic

How the number is built

  1. Gross = CTC − employer EPF − gratuity − employer NPS − other non-cash − employer ESI (when modelled). Those lines never hit your monthly pay.
  2. In-hand = Gross − employee EPF − VPF − professional tax − employee ESI − NPS from salary − income tax (including 4% cess).
  3. Basic mode uses standard PF / PT / tax only. Advanced adds HRA, 80C–80G, NPS, ESI, LTA, loans, and other income. Old-regime exemptions apply only when Old is selected.

Frequently asked questions

What is the difference between CTC and in-hand salary?

CTC is what the company spends on you. This calculator treats employer EPF and gratuity (4.81% of basic) as part of CTC that never hits your monthly pay. Gross is CTC minus those two. In-hand is gross minus your employee EPF, professional tax, and income tax (including 4% cess).

Is income tax zero up to about ₹12.75 lakh under the new regime in FY 2026–27?

For Tax Year 2026–27 the new regime uses a ₹4 lakh nil band, then 5 / 10 / 15 / 20 / 25 / 30%. Salaried people get a ₹75,000 standard deduction. Section 87A wipes tax if taxable income is ₹12 lakh or less — about ₹12.75 lakh of gross salary after employer EPF and gratuity are taken out of CTC.

How does the EPF cap work in this calculator?

Employee and employer EPF are each modelled as 12% of basic. The default is the statutory cap of ₹1,800 per month. You can switch to full 12% of basic if your offer deducts PF without that cap.

Which states charge professional tax?

Professional tax depends on the state you pick and your monthly gross. Delhi, Uttar Pradesh, Haryana, Rajasthan, Punjab, and Uttarakhand levy none here. Other states use simplified slabs, and the annual amount is capped at ₹2,500.

Is this CTC to in-hand calculator tax or payroll advice?

No. It is a free estimate for India CTC to in-hand, not tax, payroll, or legal advice. Actual take-home depends on HRA, bonus, insurance, NPS, LTA, rent, 80C / 80D, and your employer’s PF policy. HRA and extra old-regime deductions are not modelled. Verify with a CA or your payslip before you sign.