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CTC to In-Hand Salary Calculator

Estimate monthly in-hand salary from annual CTC in India for FY 2026–27, including new-regime income tax, EPF, ESI, gratuity and variable-pay assumptions.

CTC → IN-HAND ESTIMATOR

What might actually reach your bank account?

A practical estimate for salaried Indian professionals under the New Tax Regime.

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Standard ESI rates used: employee 0.75% and employer 3.25% of ESI wages.

FY 2026–27 estimate • New Tax Regime • resident salaried individual • assumes no special-rate income or other deductions. Professional tax and employer-specific benefits are not included. ESI depends on establishment coverage and wage definition.

Why CTC and in-hand salary are different

CTC can include amounts that do not arrive in your bank account every month, such as employer PF, gratuity and variable compensation. Employee PF, eligible ESI contributions and income tax can further reduce monthly take-home.

FY 2026–27 assumptions

This estimator uses the new income-tax regime and clearly displays the assumptions used. You can change the Basic salary percentage, PF treatment, ESI applicability and variable pay.

Why this is an estimate

There is no universal CTC structure in India. Employers can structure Basic, allowances, PF, gratuity, insurance and variable pay differently. Treat this calculator as an estimate and compare it with the salary breakup in your offer letter or payslip.

Try the other SalaryKit tools

Salary Hike Calculator · Job Offer Comparator · CTC to In-Hand Calculator