For Indian employees & employers

CTC to in-hand salary calculator

Know what reaches your bank account. Compare both tax regimes and see every deduction.

Free, no signupSource check: 26 September 2026Estimates with visible assumptions

Your details

Annual CTC (₹)

Basic (% of gross)

HRA (% of basic)

State of employment

Use Maharashtra's women's salary slabA professional-tax exemption has been confirmedUse only if your age, disability or another applicable exemption has been checked by payroll.

Age band

PF arrangement

Establishment is covered by ESIApplied automatically within the wage ceiling. Continuing coverage above the ceiling needs a separate payroll check.Use ₹25,000 disability eligibility ceilingCTC includes gratuity provisionProvision is not monthly cash pay or proof of gratuity entitlement.

Rent & old-regime deductions

Annual rent paid (₹)

Rented home in Delhi, Mumbai, Chennai or KolkataOnly these four cities use the 50% HRA salary limit.

Other eligible 80C investments (₹ / year)

Exclude employee PF; it is added automatically. Combined deduction capped at ₹1.5 lakh.

Other eligible old-regime deductions (₹ / year)

Enter only an amount whose eligibility and individual limits you have checked, excluding standard deduction, HRA, PF, PT and 80C.

Other non-taxable CTC costs (₹ / year)

Only employer costs that are outside cash salary and confirmed non-taxable. Do not put bonuses or taxable perquisites here.

Calculations run in your browser. No signup required; entered amounts are not submitted.

New regime · monthly in-hand

₹91,515

Estimated annual tax ₹0

Old regime · monthly in-hand

₹84,105

Estimated annual tax ₹88,920

Regime for breakdown and PDF

In-hand: ₹91,515
Employee PF: ₹3,000
Income tax: ₹0
ESI + PT: ₹208

Monthly gross: ₹94,723
Basic / HRA / special: ₹47,362 / ₹18,945 / ₹28,417
Employee PF / ESI: ₹3,000 / ₹0
Professional tax · annual / monthly average: ₹2,500 / ₹208
Employer PF / ESI · within CTC: ₹3,000 / ₹0
Monthly gratuity provision: ₹2,277
Other non-taxable CTC costs · monthly: ₹0
CTC rounding adjustment: ₹0

Tax calculation details

Annual amount	New	Old
Taxable income	₹10,61,680	₹8,65,010
Slab tax	₹46,168	₹85,502
Rebate	₹46,168	₹0
Rebate marginal relief	₹0	₹0
Surcharge	₹0	₹0
Surcharge marginal relief	₹0	₹0
4% cess	₹0	₹3,420
Rounded tax	₹0	₹88,920

Old regime: HRA exemption ₹1,83,166; PF + other 80C deduction ₹36,000.

Assumes the same salary for all 12 months, with no special exemption.

Tax year 2026–27. Annualised estimate at current monthly PF rates, not actual year-to-date TDS. Basic is a chosen salary structure, not a determination of statutory wages. Employer PF, gratuity and other benefits stay within CTC. ESI average daily wage assumes 30 days. Confirm your offer breakup, wage definition and declarations with payroll.

How this estimate works

Why is in-hand salary lower than CTC?

CTC can include employer PF, gratuity provision and benefits that are not monthly cash salary. Employee PF, ESI, professional tax and estimated income tax are then deducted from gross pay. This calculator keeps the employer costs and employee deductions separate.

Which tax regime will it use?

Both are shown for a resident Indian with ordinary salary income, using tax-year 2026–27 slabs. The old regime includes the rent, eligible deductions and employee PF you enter; the new regime uses its standard deduction. Special-rate income, employer NPS and other unlisted benefits need a separate calculation.

Is the PDF an employer payslip?

It is a salary estimate for comparison, clearly marked as such. It is not proof of income or an employer-issued payslip. Actual TDS depends on declarations, other income, earlier deductions and the months remaining in the year.

Official sources

State professional-tax sources

Sources checked by the AionHRMS product team on 2026-09-26. This planning tool is not a substitute for a payroll or tax review of your circumstances.

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