CTC to In-Hand Salary Calculator (FY 2026-27)
Convert your annual CTC into actual monthly bank credit. See detailed statutory deductions for EPF, Gratuity provision, Professional Tax, and Income Tax under New & Old Tax Regimes.
CTC to In-Hand Salary Calculator
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What this tool includes
- ✓New Tax Regime (Section 115BAC) and Old Regime side-by-side comparison
- ✓Statutory EPF, Gratuity and Professional Tax deductions itemized
- ✓Handles Metro vs Non-Metro HRA exemption rules
- ✓Instant take-home calculation with zero signup required
Authoritative References & Acts
Frequently asked questions
Monthly In-Hand Salary equals Gross Monthly Salary minus Employee EPF (12% of Basic), Professional Tax (approx ₹200/month), and monthly TDS (income tax). Employer EPF (12%) and Gratuity provisions are deducted from CTC to arrive at Gross Salary.
The calculator uses ₹75,000 under the New Tax Regime and ₹50,000 under the Old Tax Regime. Confirm the applicable treatment for your return and payroll circumstances.
CTC (Cost to Company) includes retiral benefits (employer PF, gratuity provision), non-cash perks, and potential variable bonuses. None of these reach your monthly bank credit.
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SwitchPilot provides general planning estimates, editable drafts, and contract review aids: not formal legal, tax or employment advice. Verify your contract terms and calculations with your employer or a qualified adviser.