CTC Details
How in-hand estimation helps
In-Hand Salary Calculator: From CTC to Monthly Pay
Offer letters shout CTC, but your bank account receives much less after provident fund and income tax. Our in-hand salary calculator converts annual CTC into monthly take-home by deducting employee EPF at 12% of basic and an estimated FY 2025-26 new-regime tax on CTC minus Rs 75,000 standard deduction, including the 87A rebate up to Rs 12 lakh and 4% cess above it.
What is deducted
- EPF: 12% of basic salary goes to your retirement account, shown monthly and annually.
- Income tax: new-regime slabs from 0% to 30% with rebate and cess, divided by 12 for the monthly view.
- Take-home: CTC minus EPF minus tax, divided by 12.
How to use it in negotiations
Compare two offers with different basic ratios: a higher basic raises EPF saving but lowers immediate cash. A Rs 12 lakh CTC with Rs 6 lakh basic shows roughly Rs 94,000 monthly in-hand with near-zero tax after rebate, while a Rs 24 lakh CTC pays significant slab tax. Remember this is a simplified estimate that excludes professional tax, gratuity accrual, employer PF inside CTC, variable pay and old-regime deductions.
Next steps
Use the result for budgeting rent and EMIs, then refine with the income tax and HRA calculators for a full salary structure plan.
Common questions
How is in-hand salary estimated?
Monthly in-hand equals (CTC minus 12% EPF on basic minus new-regime tax) divided by 12.
Which tax regime is used?
FY 2025-26 new regime on CTC minus Rs 75,000 standard deduction, with rebate to Rs 12 lakh and 4% cess.
What is excluded?
Professional tax, employer PF inside CTC, gratuity accrual, variable pay and old-regime deductions are not included.
In-Hand Salary Calculator
Convert CTC to monthly in-hand salary after 12% EPF on basic and FY 2025-26 new-regime tax estimate with 4% cess.
Use case
Offer comparison
Calculation
EPF + new regime
Output
Monthly in-hand