CTC to In-Hand Salary Calculator
Enter your CTC and get a complete salary breakup — Basic, HRA, PF, gratuity, and exact take-home under New & Old regime.
Salary Structure
Metro: Delhi, Mumbai, Chennai, Kolkata — HRA exemption at 50% of Basic
How CTC Becomes Your In-Hand Salary
Your CTC and take-home can differ by 20–35%. Here is where that money goes.
Strip out employer costs
Employer PF (12% of Basic) and gratuity (4.81%) are in your CTC but never appear in your salary. Remove them to get Gross Salary — what is actually in your pay slip.
Deduct statutory contributions
From Gross Salary, your employer deducts Employee PF (12% of Basic), Professional Tax (₹200/month), and TDS (income tax). The remainder is your net take-home.
Minimise income tax
Choose between New Regime (lower slabs, simple) and Old Regime (HRA + 80C deductions). For most employees with CTC under ₹15L, New Regime gives a higher take-home in FY 2025-26.
Renting? Use Old Regime to save on HRA
If your monthly rent exceeds 10% of your Basic salary, a portion of your HRA is tax-exempt under the Old Regime. For high earners in metros paying ₹25,000+ rent, this exemption can save ₹50,000–₹1,50,000 in tax annually — enough to make Old Regime the winner. Switch to Old Regime above and enter your rent to check.