CTC to In-Hand Salary Calculator India 2026-27
Calculate your exact take-home salary from CTC with state-wise professional tax, HRA exemption, and new vs old tax regime comparison.
Read the complete guideYour Details
₹12,00,000/year · ₹1,00,000/month gross
Your Results
Monthly take-home
New Regime
₹93,788₹11,25,454/yr
Old Regime
₹82,076₹9,84,912/yr
Breakdown
New regime
| Component | Monthly | Annual |
|---|---|---|
| Earnings | ||
| Basic Salary | ₹50,000 | ₹6,00,000 |
| HRA | ₹25,000 | ₹3,00,000 |
| Special Allowance | ₹20,796 | ₹2,49,554 |
| Deductions | ||
| Employee PF | −₹1,800 | −₹21,600 |
| Professional Tax (Karnataka) | −₹208 | −₹2,500 |
| Income Tax (New Regime) | −₹0 | −₹0 |
| Net Take-Home | ₹93,788 | ₹11,25,454 |
Free: Indian Salary Tax Cheatsheet 2026-27
New regime slabs, old regime deductions, PT by state — one page, print-ready.
How to Use CTC Salary Calculator
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Enter your Annual CTC
Type your total Cost to Company as mentioned in your offer letter or payslip.
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Set Basic Salary percentage
Usually 40-50% of CTC. Check your salary structure or offer letter.
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Select your state
Professional tax varies by state. We auto-calculate it for all 28 states and 8 UTs.
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Choose metro or non-metro
HRA exemption is 50% of basic for metro cities (Delhi, Mumbai, Chennai, Kolkata, Bangalore, Pune, Hyderabad, Ahmedabad), 40% for non-metro. Expanded from 4 to 8 cities from FY 2026-27 (Income Tax Rules 2026).
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Compare tax regimes
See your take-home under both new and old tax regimes side by side. Choose the one that saves more.
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Frequently Asked Questions
What is the difference between CTC and in-hand salary?
CTC (Cost to Company) is the total amount your employer spends on you annually, including basic salary, HRA, PF contribution, gratuity, insurance, and bonuses. In-hand salary is what you actually receive after deducting EPF, professional tax, income tax, and other deductions. Typically, in-hand salary is 60-75% of CTC.
How is professional tax calculated?
Professional tax rates vary by state in India. For example, Maharashtra charges Rs 200/month (Rs 300 in February), Karnataka charges Rs 200/month for salaries above Rs 15,000. Some states like Rajasthan and Delhi do not levy professional tax. Our calculator auto-applies the correct rate based on your selected state.
Which tax regime is better — new or old?
The new tax regime (default from FY 2023-24) offers lower tax rates but no deductions (80C, 80D, HRA). The old regime has higher rates but allows deductions. If your total deductions exceed Rs 3-4 lakh, the old regime may save more. Our calculator compares both for your exact salary to show which saves you money.
Is this calculator accurate for FY 2026-27?
Yes. This calculator uses the latest tax slabs as per the Union Budget 2026-27 and the new Income Tax Act 2025. The standard deduction of Rs 75,000 and the Rs 12 lakh zero-tax threshold under the new regime are both included.
What is ESI and when is it applicable?
ESI (Employee State Insurance) applies when gross monthly salary is below Rs 21,000. Both employee (0.75%) and employer (3.25%) contribute. If your salary exceeds Rs 21,000/month, ESI does not apply. Our calculator automatically checks this threshold.
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