CTC is the total cost to company including salary, benefits and deductions.

Salary / In-Hand Calculator

Q: Why is in-hand salary less than CTC?

In-hand salary is lower due to tax, PF and other deductions.

Q: Which tax regime is better?

The new regime is simpler, while the old regime benefits those with deductions.

Q: Is PF deducted from salary?

Yes, 12 percent of basic salary is deducted as employee provident fund.

Q: How to increase in-hand salary?

You can optimize salary structure and choose the correct tax regime.

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CTC (₹ per year)

Basic Salary (%)

HRA (% of Basic)

Tax Regime

Monthly In-Hand

Yearly In-Hand

Tax

💼 Salary Calculator India (2026)

This Salary / In-Hand Calculator helps you calculate your take-home salary from CTC using the latest India tax rules (2026). It considers basic salary, HRA, PF, and tax regime to give accurate results.

💡 What is In-Hand Salary?

In-hand salary is the amount you actually receive after deductions like:

✔ Income Tax
✔ Provident Fund (PF)
✔ Other deductions

🧮 Salary Calculation Breakdown

CTC = Total company cost
Basic Salary = Fixed percentage of CTC
HRA = Percentage of basic
PF = 12% of basic (employee + employer)
Special Allowance = Remaining amount

📊 Tax Regime (India 2026)

New Tax Regime

₹0 – ₹12 lakh → ₹0 tax (rebate)
Higher slabs apply above ₹12 lakh

Old Tax Regime

₹2.5L – ₹5L → 5%
₹5L – ₹10L → 20%
Above ₹10L → 30%

📉 Formula (Simplified)

In-Hand Salary = Gross Salary − Tax − Employee PF

❓ FAQ - Salary Calculator

1. What is CTC?

CTC (Cost to Company) is the total salary package offered by an employer.

2. Why is in-hand salary less than CTC?

Because deductions like PF, tax, and benefits are included in CTC.

3. Which tax regime is better?

New regime is better for most without deductions; old regime suits those claiming deductions.

4. Is PF deducted from salary?

Yes, 12% of basic salary is deducted as employee PF.

5. How to increase in-hand salary?

Choose the right tax regime and optimize salary structure.

👉 This calculator provides an estimated salary breakup based on India tax rules (2026).