Free CTC to In-Hand Calculator 2026

Real payslips include company-specific items (variable pay, LTA, food coupons, NPS employer contribution, ESI, joining bonus, notice-period adjustments) that a generic calculator can’t see. This tool covers the statutory and structural items every Indian payroll engine handles identically.

For FY 2025-26, the New regime is the default and is better for most salaried earners with limited Chapter VI-A deductions, because the rebate u/s 87A extends to ₹12 lakh taxable income. Old regime still wins when 80C, 80D, HRA-rent and home-loan interest combined exceed roughly ₹4–4.5 lakh.

EPFO statutorily caps the EPF wage at ₹15,000 per month — so employee and employer PF top out at ₹1,800 each per month (₹21,600 per year). Many private employers contribute on actual Basic without the cap. Toggle the EPF cap in section 02 to model both.

No — gratuity is provisioned by the employer at 4.81% of Basic and payable on exit after 5 years of service. It shows in your CTC letter but never on your monthly payslip. We separate it out so the gross figure reflects what payroll actually disburses.

Under Section 10(13A), the exempt amount is the lowest of: (i) actual HRA received, (ii) 50% of Basic for metros / 40% for non-metros, (iii) annual rent paid minus 10% of Basic. The remainder is added to taxable income.

PT varies by state — Karnataka, Maharashtra, West Bengal, Tamil Nadu charge ~₹2,400/year for the top bracket, while Delhi, Haryana and UP don’t levy it at all. We use ₹2,400/year as a typical figure; toggle it off in section 02 if your state doesn’t apply PT.

Budget 2025 (effective FY 2025-26) raised the New-regime 87A rebate ceiling so that taxable income up to ₹12,00,000 attracts zero net tax. Including the ₹75,000 standard deduction, gross salary up to ₹12,75,000 is effectively tax-free under the New regime.

Yes — the reference table is built for exactly that. Plug in the offered CTC, match your city and regime, and compare against existing comp. Pair it with our HRA, EPF and Gratuity calculators for line-item precision before signing.

CTC is the total annual cost to the employer. Gross salary = CTC minus employer-side contributions (EPF + Gratuity). In-hand salary = Gross minus employee deductions (EPF + PT + Income Tax). The gap between CTC and in-hand typically ranges from 25% to 40% depending on the CTC bracket.

The Industry Standard method (50/50) sets Basic at 50% of CTC, which maximizes EPF contribution and HRA exemption. The Conservative method (40/40) sets lower Basic, reducing EPF burden but also shrinking HRA exemption. Use the reference table to compare take-home at different CTC bands for each method.