CTC to In-Hand Salary Calculator IndiaFY 2025-26 Take-Home Pay Estimator

Understanding CTC Structure: What to Enter in the Salary Calculator

Every company designs their CTC (Cost to Company) differently — and that's where confusion begins. While one offer includes health insurance, NPS, and gratuity in CTC, another might exclude them entirely. Some even split variable pay across different months or tie it to performance. This lack of standardization makes it nearly impossible to predict your true monthly in-hand salary or tax liability — unless you know exactly how each component works.

That’s why I designed our CTC to In-Hand Salary Calculator — to let you input each component of your CTC exactly the way your offer letter presents it. Let’s break down every possible field you may encounter and guide you where to enter what.

Sample Salary Calculator Inputs – What Your Form Should Look Like

How to Read the Tax Summary – In-Hand Salary vs Deductions vs Tax

Once you’ve entered your salary details and selected the right CTC configuration, our Salary Calculator shows you a detailed breakdown of your in-hand salary, tax deductions, and taxable income — along with a clear summary of your total income tax payable under the selected regime.

Salary Breakdown (Pie Chart)

The visual donut chart offers an at-a-glance overview of your salary structure:

• Green – Your final In-Hand Salary after all deductions.
• Red – Total Income Tax payable including surcharge and cess.
• Blue – Tax-exempt Deductions like PF, NPS, health insurance, etc.

Income Summary (CTC Breakdown)

• Total CTC: Your complete cost to company, including fixed pay and bonuses.
• Gross Fixed Salary: Excludes bonuses/incentives. It’s the core of your annual compensation.
• Bonuses & Incentives: Sum of monthly/annual performance-linked variable pay.
• Basic Salary: The base component used to calculate PF, gratuity, and HRA exemptions.

Tax-Exempt Deductions

These amounts are subtracted from your income before tax is calculated:

• Employer PF Deduction: Up to ₹1.8L exempt under Section 80C.
• Employer NPS Contribution: Exempt under Section 80CCD(2), up to 10% of basic.
• Other Deductions: Flexi pay, fuel, leave encashment, etc. (if applicable).
• Standard Deduction: ₹50,000 or ₹75,000 depending on regime and age.
• Gratuity: Exempt if included in CTC and employee is eligible.
• Health Insurance: Group health premium if part of CTC, exempt under 80D.

Net Taxable Income

This is your gross salary minus all tax-exempt deductions. It’s the amount on which your income tax is calculated.

Total Income Tax Payable

• Income Tax: Calculated slab-wise based on the selected regime.
• Surcharge: Applicable if income exceeds specified thresholds.
• Health & Education Cess: 4% of the income tax (including surcharge).

Final In-Hand Salary

This is your actual take-home pay after tax — what lands in your bank account annually. It reflects all salary, deductions, exemptions, and tax accurately.

Understanding Your Monthly In-Hand Salary Breakdown

Once your annual salary and deductions are calculated, our Salary Calculator automatically provides a detailed month-wise salary and tax breakdown. This helps you track how your in-hand salary fluctuates across the year based on bonuses, tax, and employer contributions.

Bonus Months Are Highlighted in Green

In the table or mobile cards, rows highlighted in green indicate months where variable pay, performance bonuses, or incentives have been added. These spikes often occur in appraisal months like April, September, or February, depending on your input.

What Each Column Means

• Month: Each row represents a month in the selected financial year (FY 2025–26).
• Gross Salary: Total monthly salary before deductions, including fixed and bonus components if applicable.
• Professional Tax: State-level statutory tax deducted monthly. This may vary based on location.
• Income Tax: Your monthly tax liability, dynamically calculated based on your salary and regime.
• PF Contribution: Employee’s contribution to Provident Fund (₹1,800 or 12% of basic, based on your selection).
• NPS (Employer): Employer’s contribution toward NPS — exempt from tax and shown for transparency.
• Net In-Hand Salary: Final monthly take-home amount after tax and deductions. This is what hits your bank account.