Calculate net monthly take-home salary from your annual CTC package with tax and EPF deductions.
New Regime saves you ₹19,500 more in annual tax!
Employee Provident Fund (EPF)
Government statutory retirement savings
92%
₹11,04,500
1.8%
₹21,600
6%
₹71,500
More tools in this category to help you complete your task faster.
More tools in this category to help you complete your task faster.
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Fast and easy from start to finish
Select a career compensation blueprint (6 LPA to 45 LPA) or type your exact annual CTC package.
Toggle between the New Tax Regime (Budget 2024 revised slabs with ₹75,000 standard deduction) and the Old Tax Regime.
If comparing the Old Regime, enter your annual Section 80C investments, 80D health insurance, and HRA exemption.
Choose your Employee Provident Fund (EPF) preference: statutory standard cap (₹1,800/mo) or full 12% of basic.
Inspect your itemized Monthly Payslip Ledger showing Basic, HRA, Special Allowance, EPF, Professional Tax, TDS, and final In-Hand Take-Home.
What you can do with this tool
Budget 2024-25 Revised Slabs: Fully updated with ₹75,000 standard deduction and Section 87A rebate (zero tax up to ₹7.75 Lakhs CTC).
New vs Old Tax Regime Comparison: Automatic dynamic banner comparing annual tax savings between both regimes.
6 Real-World Career Blueprints: Pre-configured packages for 6 LPA Freshers, 8.5 LPA Marketers, 12 LPA Mid SDEs, 18 LPA PMs, 25 LPA Senior SDEs, and 45 LPA Tech Execs.
Standard Indian Payslip Ledger: Detailed breakdown into Basic Salary (50%), HRA (20%), Special Allowance, EPF (12%), Professional Tax, and Income Tax TDS.
Visual CTC Allocation Waterfall: Multi-segment proportion bar dividing CTC into In-Hand Pay, EPF Retirement Savings, and Government Taxes.
Everyday walkthroughs and starter ideas for CTC to In-Hand Salary Calculator
12 LPA CTC (New Regime): Monthly Gross ₹1,00,000 -> Monthly EPF ₹1,800, PT ₹200, TDS ₹5,889 = Net Monthly In-Hand ₹92,111.
25 LPA CTC (New Regime): Monthly Gross ₹2,08,333 -> Monthly EPF ₹1,800, PT ₹200, TDS ₹29,883 = Net Monthly In-Hand ₹1,76,450.
6 LPA CTC (New Regime): Monthly Gross ₹50,000 -> Monthly EPF ₹1,800, PT ₹200, TDS ₹0 = Net Monthly In-Hand ₹48,000 (100% Tax-Free!).
File requirements, capabilities, and system limits
Does not automatically account for variable performance bonuses paid on an irregular quarterly or annual basis.
Professional Tax rates can vary slightly across individual Indian states (e.g. Maharashtra vs Karnataka).
Helpful definitions of features and parameters
The total annual gross amount an employer spends on an employee before any deductions.
A flat deduction allowed from gross salary before computing taxable income (₹75,000 in Budget 2024 New Regime).
The estimated monthly income tax deducted by your employer and remitted directly to the government on your behalf.
How creators, students, and professionals use CTC to In-Hand Salary Calculator
Job seekers evaluating new corporate offer letters to determine real monthly disposable income.
Salaried professionals choosing between the New Tax Regime and Old Tax Regime for annual tax filing.
HR managers and founders structuring competitive, transparent employee compensation packages.
Answers to common questions about CTC to In-Hand Salary Calculator
Cost to Company (CTC) is the total annual expense a company spends on an employee, including basic salary, allowances, employer's PF contribution, gratuity, and insurance. In-Hand Salary is the actual net cash deposited into your bank account after subtracting statutory employee deductions like EPF, Professional Tax, and Income Tax (TDS).
Yes! In Budget 2024, the standard deduction for salaried individuals was raised to ₹75,000. Under the New Tax Regime, taxable income up to ₹7,00,000 receives a full tax rebate under Section 87A. Therefore, a salaried employee earning up to ₹7,75,000 pays ₹0 income tax.
By default under the EPFO rules, the employee contribution is 12% of Basic Salary. Many companies cap the statutory monthly EPF deduction at ₹1,800 per month (12% of statutory minimum basic ₹15,000), while other companies deduct 12% of actual basic salary.
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