CTC to In-Hand Salary Calculator India — Take-Home Pay 2026
Real-World Examples — 2026
₹12 lakh CTC — monthly in-hand calculation
₹12 lakh CTC, basic 50% (₹6 lakh/year): Employer PF = ₹72,000/year. Gross = ₹11,28,000. Employee PF = ₹72,000. New regime TDS ≈ ₹nil (₹12L income, below rebate threshold after deductions). In-hand ≈ ₹88,000/month.
₹25 lakh CTC — high earner breakdown
₹25 lakh CTC: Gross salary ≈ ₹23.5 lakh. Employee PF ₹1.8 lakh. TDS (new regime) ≈ ₹3.6 lakh. Professional tax ₹2,400. Monthly in-hand ≈ ₹1,53,000. Always negotiate CTC structure — higher basic improves PF but reduces take-home through tax.
Frequently Asked Questions
How much of CTC do I actually receive as in-hand salary?
For most salaried employees, net in-hand salary is 65–80% of CTC. A ₹12 lakh CTC typically yields ₹75,000–₹85,000/month in-hand. Deductions include: employer PF (part of CTC), employee PF (12% of basic), professional tax (₹200–₹2,500/year), and TDS based on tax liability.
Is employer PF part of CTC?
Yes. Many companies include employer PF contribution (12% of basic) in CTC. This is a benefit you eventually receive at PF withdrawal but reduces your take-home. Always clarify if the stated CTC is 'inclusive of employer PF' or 'exclusive'.
What is the difference between CTC, gross salary, and net salary?
CTC = total cost to company including all benefits, allowances, and employer contributions. Gross salary = CTC minus employer PF and other benefits not paid as salary. Net/in-hand salary = gross salary minus employee PF, professional tax, and income tax TDS.
Is the CTC to In-Hand Calculator free?
Yes, completely free on CalcPhi with no registration.
Are my inputs stored?
No. All calculations run in your browser. Your data is never stored.
Is it mobile-friendly?
Yes. Works on all modern smartphones and tablets.