Salary calculators
From CTC to the money in your account. Free, with every formula shown and no sign-up.
Rules for FY 2026-27 · Checked 24 October 2026
- CalculatorSalary calculator (CTC to in-hand)What your CTC actually pays each month after PF and tax.
- Ready answersIn-hand salary by CTCMonthly pay for every CTC from ₹3 to ₹50 LPA
Guides
About these calculators
Your CTC is not what reaches your bank account. Employer PF and gratuity are part of the CTC but are not paid monthly, and your own PF, professional tax and income tax come out of each month’s pay.
The salary calculators work through each of these, under the new and the old regime, so you can see your real monthly pay before you accept an offer or choose a salary structure.
Frequently asked questions
How much is in hand on a ₹12 lakh CTC?
About ₹91,400 a month in the new regime, after PF, professional tax and income tax. See CTC vs in-hand salary for the working.
What is the EPF wage ceiling now?
₹25,000 a month. Employers must contribute on wages up to this amount and may contribute on more.
Which cities get the 50% HRA limit?
Mumbai, Delhi, Kolkata, Chennai, Bengaluru, Hyderabad, Pune, Ahmedabad. Everywhere else the limit is 40% of basic salary.