Take Home Salary Calculator — CTC to Monthly In-Hand
Convert CTC to monthly take-home salary in India. See PF, professional tax and income tax (old vs new regime) deducted, with a full payslip breakup. Free.
Disclaimer
Tax calculations are based on FY 2026-27 slabs (Budget 2026 retained the FY 2025-26 structure unchanged). This is an estimate for illustration purposes. For exact tax liability, consult a Chartered Accountant or use the official Income Tax portal at incometax.gov.in.
Verified by SabTools Rate Audit — re-checked every 365 days against the official source.
This calculator converts your annual CTC into the monthly take-home (in-hand) salary you actually receive after every standard Indian deduction: employee EPF (12% of basic), professional tax, and income tax under both the old and new regimes. It returns a line-by-line payslip so you can see exactly where the gap between CTC and in-hand comes from.
The two biggest reasons your in-hand is lower than your CTC: (1) the employer's EPF contribution and gratuity provision are counted inside CTC but never paid to you monthly, and (2) income tax and professional tax are withheld each month. A ₹12 LPA CTC, for example, lands roughly ₹86,000–₹97,000 in-hand per month depending on your regime, basic-pay split and PF policy — enter your CTC above for the exact figure.
Use it before accepting an offer: compare two CTCs on in-hand, not headline package. Toggle old vs new regime to see which lowers your tax for your specific 80C/HRA situation. All math runs in your browser — no salary data leaves your device.
How to use Take Home Salary Calculator — CTC to Monthly In-Hand?
- Enter the required values in the input fields above
- The results will be calculated automatically in real-time
- Adjust values to compare different scenarios
- Share or bookmark for future reference
Why use SabTools.in?
- 100% free — no signup, no limits, no hidden fees
- Lightning fast — runs instantly in your browser
- Privacy first — your data never leaves your device
- Mobile friendly — works on any phone, tablet or computer
- Made for India — Indian formats, banks, taxes & more
Also try our full In-Hand Salary Calculator with all features and options.
Frequently Asked Questions
What is Take Home Salary Calculator — CTC to Monthly In-Hand?
Take Home Salary Calculator — CTC to Monthly In-Hand is a free online tool on SabTools.in. Convert CTC to monthly take-home salary in India. See PF, professional tax and income tax (old vs new regime) deducted, with a full payslip breakup. Free. It runs entirely in your browser with no signup required.
Is Take Home Salary Calculator — CTC to Monthly In-Hand free?
Yes, this tool is 100% free with no limits. No registration, no hidden charges. Use it as many times as you want.
Is my data safe?
Absolutely. All calculations happen in your browser. No data is sent to any server. Your privacy is fully protected.
Can I use this on mobile?
Yes, this tool works perfectly on mobile phones, tablets and desktop computers. It is fully responsive and optimized for all screen sizes.
How accurate is this calculator?
This calculator uses standard financial formulas and is highly accurate. However, actual results may vary slightly based on specific bank terms, policies and rounding methods.