Tools
CTC to In-Hand Calculator
See how much of your CTC actually reaches your bank account each month.
Inputs
Enter 0 for Rajasthan, Delhi, Haryana or UP — they levy none. Maharashtra, Karnataka, Gujarat, MP, WB, Telangana, AP and TN take up to ₹2,400–2,500.
Monthly in-hand
₹90,200
Annual in-hand
₹10,82,400
Income tax (yr)
₹0
| Cost to company | ₹12,00,000 |
| Basic salary | ₹4,80,000 |
| Employer EPF (in CTC) | ₹57,600 |
| Gross pay | ₹11,42,400 |
| Employee EPF | ₹57,600 |
| Professional tax | ₹2,400 |
| Income tax (new regime) | ₹0 |
Indicative estimate for FY 2026-27 under the new regime: ₹75,000 standard deduction, the section 87A rebate (nil tax up to ₹12 lakh, with marginal relief just above it) and 4% cess. Employer EPF is modelled at 12% of basic. Actual figures depend on your salary structure, allowances, gratuity and any old-regime deductions you claim.
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or message us on WhatsApp instead →Frequently asked
What does the calculator deduct from CTC?+
Employer and employee provident fund, professional tax where the state levies it, and income tax under the new regime, to arrive at monthly in-hand.
Why is my in-hand lower than expected?+
CTC usually includes the employer PF contribution and often gratuity — money that never reaches your bank account each month. That is the gap most people are surprised by.
Is professional tax deducted in Rajasthan?+
No. Rajasthan does not levy professional tax, so there is nothing to deduct for a Rajasthan-based employee. States such as Maharashtra and Karnataka do.
Does it account for variable pay?+
Treat any bonus or variable component separately — it is usually paid on a different cycle and taxed when received.
Which tax regime does it apply?+
The new regime, which is the default. If you claim substantial old-regime deductions, compare both with the income tax calculator.
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