CTC to in-hand salary calculator

Type your CTC and see what lands in your bank.

Your numbers

Estimates on the new tax regime, tax year 2026-27. Not tax advice; check with a CA.

Your CTC, a year

lakh

The total on your offer letter. 28 lakh = 28,00,000 rupees.

Basic pay, as a share of CTC

Look for "Basic" on your payslip or annexure. Most letters say 40. Allowed 10 to 80.

Your payslip looks different? (optional)

Employer PF is worked out on your full basic the 25,000 rupee a month wage ceiling (36,000 rupees a year)

Professional tax, a year

Set by your state; ask payroll. We start at 2,400 rupees as a placeholder; change it to yours.

Tax regime: new regime only, tax year 2026-27. Surcharge (above 50 lakh rupees taxable) is not included.

Step 1, Should you switch?, keeps these answers and goes on from here. Everything stays on this device.