In-Hand Salary Calculator

How to calculate in-hand salary from CTC

Take the employer's PF, gratuity and ESI out of the CTC to get the gross salary; then take your own PF, ESI, professional tax and income tax (TDS) out of that. What is left, divided by 12, is your in-hand salary a month.

Your CTC (cost to company) is everything your employer spends on you in a year. Part of it never reaches your bank account each month: the employer's PF and ESI and, in many offer letters, gratuity.

gross salary = CTC − employer's PF − gratuity − employer's ESI

in hand = gross salary − your PF − your ESI − professional tax − TDS

Example: a CTC of ₹15,00,000, with basic + DA at half of it: ₹7,50,000 a year. The employer's PF of ₹90,000 and gratuity of ₹36,075 leave a gross salary of ₹13,73,925, or ₹1,14,494 a month. Each month ₹7,500 of PF, ₹200 of professional tax and ₹6,486 of TDS (new regime) come off: ₹1,00,308 in hand. In the old regime, with only PF under 80C, it would be ₹91,024.

In-hand salary for 10, 15, 20 and 30 LPA (2026-27)

On a CTC of 15 LPA (₹15 lakh a year) the in-hand salary is about ₹1,00,308 a month in the new tax regime; on 20 LPA about ₹1,29,338, and on 10 LPA ₹71,129.

The table takes basic + DA at half the CTC, PF at 12% of it from you and from your employer, gratuity inside the CTC, the new tax regime with no other income, and the AP and Telangana professional tax; ESI where the wages are within its limit (marked *). The last column is for an employer that counts PF only on the ₹25,000 wage ceiling (₹3,000 a month each). Type your own CTC and terms above for your figure.

In the old regime TDS depends on your HRA and deductions: compare both in the income tax calculator.

Salary calculator for Telangana and Andhra Pradesh: professional tax

In Andhra Pradesh and Telangana professional tax is nil up to ₹15,000 of monthly salary, ₹150 up to ₹20,000, ₹200 above: at most ₹2,400 a year, taken from your salary each month. Other states have their own slabs, never more than ₹2,500 a year; some, such as Delhi, Haryana and Uttar Pradesh, have none. Choose yours under "Professional tax". In the old regime it is also deducted from taxable salary.

Good to know

• PF is 12% of basic + DA from you and the same from your employer. Of the employer's share, 8.33% (at most ₹2,083 a month) goes to the pension scheme (EPS) and the rest to your PF account: see what it grows to in the EPF calculator.
• Many employers count PF only on the ₹25,000 wage ceiling: ₹3,000 a month each. On the example CTC that takes the in-hand salary to ₹1,08,605, but less goes into your PF.
• Gratuity is 15 days' basic for each year of service (4.81% of basic a year), paid when you leave after at least 5 years (or 1 year on a fixed-term contract), not every month. The gratuity calculator works out what you will get.
• Under the labour codes (from 21 November 2025), the wages PF, gratuity and ESI are worked out on are basic + DA, but at least 50% of the pay: with a lower basic, the allowances over half the pay count as wages too, and the calculator works them out that way.
• ESI (Employees' State Insurance: medical care for you and your family, and pay while you are ill) covers wages up to ₹21,000 a month (₹25,000 for a person with a disability). That limit is on the wages, not the gross pay, so a gross salary well over ₹21,000 can still be covered. You pay 0.75% of the wages and your employer 3.25% out of the CTC; on up to ₹176 a day you pay nothing. On a ₹3,00,000 CTC with the same terms that is ₹94 from you and ₹407 from your employer a month: ₹20,698 in hand rather than ₹21,199. A raise that takes your wages over the limit usually leaves ESI on until the end of that contribution period (April to September, or October to March). An employer with fewer than 10 workers, or outside an ESI area, is not covered: choose "No ESI".
• Variable pay, a joining bonus and insurance premiums are often inside the CTC too. If yours are, the monthly in-hand is lower than shown here.

సీటీసీ నుంచి చేతికి వచ్చే జీతం ఎంత?

సీటీసీలోంచి యజమాని పీఎఫ్, గ్రాట్యుటీ (తక్కువ జీతాలకు ఈఎస్ఐ కూడా) తీసేస్తే మిగిలేది గ్రాస్ జీతం. దాని నుంచి మీ పీఎఫ్, ఈఎస్ఐ, వృత్తి పన్ను, ఆదాయపు పన్ను (టీడీఎస్) పోగా మిగిలేదే చేతికి వచ్చే జీతం. బేసిక్ సీటీసీలో సగం అయితే ఏడాదికి ₹15 లక్షల సీటీసీకి కొత్త పన్ను విధానంలో నెలకు సుమారు ₹1,00,308 చేతికి వస్తుంది.

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