In-Hand Salary Calculator

₹

= ₹10,00,000 (10 lakh)

Cost to company from your offer letter, without bonus or variable pay.

%

Under the labour codes, basic + DA is usually at least half of the pay. Your offer letter shows the exact split.

PF worked out on

Your salary slip shows which. Capped PF means a smaller deduction and more in hand.

Employer’s PF is part of CTC
Gratuity is part of CTC
₹

Most states that charge it take ₹200 a month. Some, such as Delhi and Uttar Pradesh, don’t charge it.

Tax regime
₹

PPF, ELSS, life insurance and so on. Your PF is added for you. Old regime only.

₹

Exempt HRA, health insurance (80D), home loan interest and so on, for the year. Old regime only.

In-hand salary per month

₹77,133

  • In hand 92.6%
  • PF (yours and employer’s) 7.2%
  • Income tax 0%
  • Gratuity and professional tax 0.2%
Gross salary per month
₹80,333
Your PF per month
₹3,000
Income tax (TDS) per month
₹0
Professional tax per month
₹200
In-hand salary per year
₹9,25,600
In-hand as a share of CTC
92.56%
Taxable income
₹8,89,000
  • FY 2026-27 income tax rules, as in our income tax calculator. TDS is spread evenly over 12 months.
  • Bonus, variable pay, reimbursements and the employer’s NPS are left out. PF still adds to your savings, it just isn’t in hand.

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