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CTC to In-Hand in seconds.

Decode your CTC into actual monthly take-home. Both old and new regimes, full deduction stack, Budget 2025 slabs.

Your in-hand salary is what lands in your bank each month after deductions — typically 70–85% of your fixed CTC once employer PF, professional tax and income tax are removed. This free CTC-to-take-home calculator converts your annual CTC into exact monthly in-hand pay under both India's old and new tax regimes (Budget 2025 slabs). Enter your CTC above for your number. Weighing two offers? Compare both take-home figures →
INPUTS
₹12.0 LPA
Metro: Delhi, Mumbai, Chennai, Kolkata only
MONTHLY IN-HAND
₹93,795
₹11,25,540 per year · effective tax 0.0%
REGIME COMPARISON
New regime
₹11,25,540
annual in-hand
Old regime
₹10,60,968
annual in-hand
new regime saves you ₹64,572 more annually.
SALARY STRUCTURE (ANNUAL)
Basic (50% of CTC)₹6,00,000
HRA₹3,00,000
Special Allowance₹2,49,540
Employer PF₹21,600
Gratuity (4.81% of Basic)₹28,860
Gross Salary₹11,49,540
DEDUCTIONS (ANNUAL)
Employee PF₹21,600
Professional Tax₹2,400
Income Tax (incl. cess)₹0
Total Deductions₹24,000

How CTC to in-hand works (FY 2025-26)

Indian CTC packages bundle base salary, HRA, employer PF, gratuity and special allowance. This calculator splits CTC the standard way (Basic = 50% of CTC, HRA = 50% / 40% of Basic based on city), removes employer PF and gratuity from gross, applies the correct tax slabs, and shows you the monthly deposit you can actually expect.

The new regime under Budget 2025 makes the first ₹12 lakh of taxable income effectively tax-free via Section 87A rebate, with a ₹75,000 standard deduction. The old regime still allows HRA, 80C investments and other deductions — but with lower base slabs.

Frequently asked questions

How much is 10 LPA in-hand salary?
It depends on your CTC structure and tax regime — typically 70–85% of fixed CTC reaches your account. Use the calculator above for your exact figure.
What is the difference between CTC and in-hand salary?
CTC is the total annual cost to the company, including employer PF, gratuity and benefits. In-hand is what reaches your bank after employee PF, professional tax and income tax — usually 70–85% of fixed CTC.
Is the new or old tax regime better?
The new regime (Budget 2025) makes income up to ₹12 lakh effectively tax-free via the Section 87A rebate and needs no investment proofs. The old regime wins only if your 80C, HRA and home-loan deductions are large. The calculator shows both side by side.
How is in-hand salary calculated from CTC?
Subtract employer PF and gratuity from CTC to get gross pay, then deduct employee PF, professional tax and income tax at your slab. The remainder divided by 12 is your monthly in-hand salary.

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In-Hand Salary Calculator India 2026 — CTC to Take-Home | ClearRound