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Take-Home Salary Calculator (CTC to In-Hand)

↻ Updated FY 2026-27

Turn your annual CTC into monthly in-hand pay — estimating basic, HRA, employer and employee PF, gratuity, professional tax and income tax for FY 2026-27. Everything runs in your browser.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs
Annual CTC
Basic (% of CTC)
Typically 40–50% of CTC
Tax regime
In-hand / month
₹1,03,582
₹12,42,986/yr net
Annual in-hand
₹12,42,986
83% of CTC
Total deductions
₹2,57,014
PF + gratuity + tax + PT
Where your CTC goes
In-hand₹12,42,986
Income tax₹81,768
Employee PF₹72,000
Employer PF₹72,000
Gratuity₹28,846
Prof. tax₹2,400
Annual breakdown
Cost to company (CTC)₹15,00,000
Basic salary₹6,00,000
Employer PF− ₹72,000
Gratuity accrual− ₹28,846
Employee PF− ₹72,000
Professional tax− ₹2,400
Income tax (new)− ₹81,768
Net annual in-hand₹12,42,986
ASSUMPTIONS — FY 2026-27 estimate. Assumes basic = 40%of CTC, employer & employee PF at 12% of basic, gratuity accruing at 15/26 of a month's basic per year, and professional tax of ₹2,400/yr. Real payslips vary with your firm's structure, allowances and state — consult a CA or your HR for exact figures.

Runs entirely in your browser — nothing you enter is sent to us.How this works

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Income Tax CalculatorSalary Breakup CalculatorHRA Calculator
Sources & rate references

Rates, brackets and limits here are checked against primary sources. If a number still looks off, email support@realmoneyiq.com and we'll review and fix it.

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.