Free Tool · FY 2025-26 · 100% Client-Side
CTC to In-Hand Salary Calculator
Break down your annual CTC into gross pay, statutory deductions (PF, ESIC, Professional Tax), income tax under the new regime, and your final monthly take-home. Every figure cites its statutory source.
Your Details
Monthly Take-Home
₹94,276
Annual in-hand: ₹11,31,312 · Effective tax rate: 0.0%
Monthly Breakdown
| Component | Annual (₹) | Monthly (₹) |
|---|---|---|
| Basic Salary | ₹4,80,000 | ₹40,000 |
| HRA | ₹2,40,000 | ₹20,000 |
| Special Allowance | ₹4,35,312 | ₹36,276 |
| Bonus | ₹0 | ₹0 |
| Gross Salary | ₹11,55,312 | ₹96,276 |
| Employer PF (Part of CTC) | ₹21,600 | ₹1,800 |
| Gratuity Provision (Part of CTC) | ₹23,088 | ₹1,924 |
| (Less) Employee PF | -₹21,600 | -₹1,800 |
| (Less) ESIC (Employee) | ₹0 | ₹0 |
| (Less) Professional Tax | -₹2,400 | -₹200 |
| (Less) Income Tax (New Regime) | ₹0 | ₹0 |
| Net In-Hand | ₹11,31,312 | ₹94,276 |
Annual P&L Summary
CTC Allocation
Disclaimer: This is an estimate for guidance only. Actual tax liability depends on individual investments, declarations, employer structure, and other factors. Verify with a qualified CA before any filing. Standard deduction of ₹75,000 is applied per Sec 16(ia) of the Income Tax Act, 1961. Rebate u/s 87A applied if taxable income ≤ ₹12,00,000.
Statutory Basis
Employees' Provident Fund
Section 12 of the Employees' Provident Funds and Miscellaneous Provisions Act, 1952 — employer contributes 12% of basic wages; employee contributes matching 12%. Basic wage ceiling for PF contribution: ₹15,000/month (notification SO 1513(E) dated 22 August 2014). Employees earning basic >₹15,000 may opt for higher PF.
ESIC
Section 2(9) of the Employees' State Insurance Act, 1948 — applicable if gross salary ≤ ₹21,000/month. Employee contribution: 0.75% of gross wages; Employer contribution: 3.25% of gross wages.
Professional Tax
Levied under respective State Acts. Typically ₹200/month (₹2,400/year) in Maharashtra, Karnataka, West Bengal. Not applicable in all states.
Standard Deduction
Section 16(ia) of the Income Tax Act, 1961 — ₹75,000 per annum for salaried employees under new regime.
Income Tax
Section 115BAC of the Income Tax Act as amended by Finance Act 2025.
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