Free tool · FY 2026-27
CTC to in-handsalary calculator.
Turn a yearly CTC into the monthly take-home: PF on the ₹25,000 ceiling, ESIC, professional tax for your state and income tax under the new or old regime.
Your offer
In your bank each month
₹66,989
₹8,03,865 a year · New regime
CTC split (a year)
Gross salary₹8,42,365
Employer PF · 12%₹36,000
Gratuity provision · 4.81% of basic₹21,635
Deducted from gross (a month)
Employee PF · 12%₹3,000
ESIC · not applicable above ₹21,000 gross₹0
Professional tax · Maharashtra₹208
Income tax (TDS) · on ₹7,67,365 taxable₹0
Take-home a month₹66,989
An estimate for planning, not tax advice. Uses the FY 2026-27 slabs, the standard deduction and the rebate on income up to ₹12 lakh (section 156 of the Income-tax Act 2025, earlier 87A). HRA, LTA and other exemptions are not counted. Professional tax is averaged over the year.
How CTC turns into take-home
Why is in-hand less than CTC ÷ 12?
CTC counts what the employer spends on you, including its own PF, gratuity and sometimes ESIC. From the gross that is left, your own PF, ESIC (if gross is ₹21,000 a month or less), professional tax and income tax come off before pay reaches your bank.
How much PF is deducted?
12% of your PF wages, from you and 12% from the employer. PF wages are basic + DA, capped at ₹25,000 a month since 17 September 2026, unless the company pays PF on full basic.
New or old regime?
The new regime has lower rates and no tax up to ₹12 lakh of taxable income, but almost no deductions. The old regime allows 80C, HRA and others. The calculator shows when the other regime would save you money.
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