CTC to in-hand salary calculatorWhat actually reaches your bank.

CTC includes money that never reaches your bank account: your employer’s provident fund contribution, the gratuity provision, employer ESI, and any variable pay you only receive if targets are met. Add income tax, your own PF contribution and professional tax. With a typical structure, about 87% of a ₹6 lakh CTC reaches your bank, 92% of ₹12 lakh, 86% of ₹20 lakh and 75% of ₹50 lakh. Below about ₹12 lakh provident fund and gratuity make up most of the gap; above it, income tax does. Variable pay widens it further.

The new regime is the default and wins for most salaried people, because the standard deduction of ₹75,000 and the rebate under section 156 make income up to ₹12 lakh tax-free. The old regime can still win if you claim a large HRA exemption, a home loan interest deduction and a full ₹1.5 lakh under section 123 (the old 80C). This calculator shows both side by side so you do not have to guess.

No. That is a common misreading. The Codes, in force since 21 November 2025, do not set a floor on Basic pay. They change how statutory wages are calculated: if the excluded allowances (HRA, conveyance, employer PF and similar) come to more than half of your total remuneration, the excess is treated as wages for PF, gratuity and ESI, even though it is still paid to you as an allowance. Your payslip need not change, but your gratuity and PF base can.

Under the new regime, a resident individual with ₹12 lakh of taxable income pays no tax, because the section 156 rebate of ₹60,000 cancels the tax due. With the ₹75,000 standard deduction, that corresponds to a gross salary of about ₹12.75 lakh. Just above ₹12 lakh, marginal relief caps the tax at the amount by which your income exceeds ₹12 lakh. The 4% cess is still added on top, so between ₹12 lakh and about ₹12.71 lakh of taxable income each extra rupee costs ₹1.04 in tax and take-home dips slightly, but you never face the ₹62,400 cliff that a calculator without relief would show.

It depends on your state, and it is capped at ₹2,500 a year by the Constitution. Maharashtra and Karnataka charge ₹300 in February and ₹200 in other months. Several states, including Delhi, Haryana, Uttar Pradesh and Rajasthan, do not levy it at all. Punjab charges ₹200 a month under a differently named Act, and Odisha abolished the tax from April 2026. Bihar takes the whole year’s tax from your September salary, and Kerala and Chennai charge it half-yearly. Where we have not verified a state’s slabs, we show zero and say so rather than guessing.

No. Everything is calculated in your browser and we keep no record of your figures. Your last inputs are saved in your own browser so you do not have to retype them. They also appear in the page address, so a result can be bookmarked or shared; anyone you send that link to can see them.