{
    "name": "In-Hand Salary Calculator",
    "url": "https://calculators.geekmidst.com/calculators/india-salary-in-hand-calculator",
    "markdown": "https://calculators.geekmidst.com/calculators/india-salary-in-hand-calculator.md",
    "category": "India tax & investing",
    "description": "Turn your CTC into monthly take-home pay for FY 2025-26: employee and employer PF, professional tax and income tax under the new or old regime.",
    "summary": "Take-home pay is your CTC minus the employer’s PF and other non-cash items, then minus your own PF, professional tax and income tax.",
    "also_called": [
        "Take-home salary calculator",
        "CTC to in-hand calculator"
    ],
    "applies_to": "India",
    "last_updated": "2026-10-29",
    "computation": "Results are computed in the visitor’s browser on the HTML page. This API describes the calculator; it does not compute results.",
    "inputs": [
        {
            "name": "ctc",
            "label": "Annual CTC",
            "type": "number",
            "default": "1200000"
        },
        {
            "name": "basic_pct",
            "label": "Basic pay as a share of CTC",
            "type": "number",
            "default": "50",
            "unit": "%"
        },
        {
            "name": "pf_rate",
            "label": "PF contribution rate",
            "type": "number",
            "default": "12",
            "unit": "% of basic"
        },
        {
            "name": "pf_cap",
            "label": "PF wage cap per month (optional)",
            "type": "number",
            "default": "",
            "optional": true
        },
        {
            "name": "employer_pf",
            "label": "Employer PF is part of CTC",
            "type": "segmented",
            "default": "yes",
            "options": {
                "yes": "Yes",
                "no": "No"
            }
        },
        {
            "name": "other_ctc",
            "label": "Other CTC items not paid monthly",
            "type": "number",
            "default": "0",
            "optional": true
        },
        {
            "name": "prof_tax",
            "label": "Professional tax (year)",
            "type": "number",
            "default": "2400",
            "optional": true
        },
        {
            "name": "regime",
            "label": "Tax regime",
            "type": "segmented",
            "default": "new",
            "options": {
                "new": "New",
                "old": "Old"
            }
        },
        {
            "name": "age",
            "label": "Your age during the year",
            "type": "select",
            "default": "below60",
            "options": {
                "below60": "Below 60",
                "60to80": "60 to 79 (senior citizen)",
                "80plus": "80 or over (super senior)"
            }
        },
        {
            "name": "old_deductions",
            "label": "Old-regime deductions and exemptions",
            "type": "number",
            "default": "0",
            "optional": true,
            "shown_when": {
                "regime": "old"
            }
        },
        {
            "name": "currency",
            "label": "Currency",
            "type": "hidden",
            "default": "INR"
        }
    ],
    "outputs": [
        {
            "key": "monthly_in_hand",
            "label": "Monthly take-home pay",
            "format": "currency"
        },
        {
            "key": "annual_in_hand",
            "label": "Yearly take-home pay",
            "format": "currency"
        },
        {
            "key": "gross_salary",
            "label": "Gross salary",
            "format": "currency"
        },
        {
            "key": "income_tax",
            "label": "Income tax for the year",
            "format": "currency"
        },
        {
            "key": "employee_pf",
            "label": "Your PF contribution",
            "format": "currency"
        },
        {
            "key": "employer_pf",
            "label": "Employer PF inside CTC",
            "format": "currency"
        },
        {
            "key": "professional_tax",
            "label": "Professional tax",
            "format": "currency"
        }
    ],
    "formula": {
        "text": "Gross = CTC − Employer PF − Other CTC items; Taxable = Gross − Standard deduction (₹75,000 new / ₹50,000 old) − old-regime deductions; Take-home = Gross − Employee PF − Professional tax − Income tax. Tax = slab tax − rebate u/s 87A (with marginal relief) + surcharge (with marginal relief) + 4% health and education cess",
        "variables": {
            "PF": "PF rate × basic pay (or the capped PF wage) × 12",
            "Income tax": "FY 2025-26 tax for the chosen regime"
        }
    },
    "worked_example": {
        "inputs": {
            "ctc": "1200000",
            "basic_pct": "50",
            "pf_rate": "12",
            "pf_cap": "",
            "employer_pf": "yes",
            "other_ctc": "0",
            "prof_tax": "2400",
            "regime": "new",
            "age": "below60",
            "old_deductions": "0",
            "currency": "INR"
        },
        "steps": [
            "Basic = 50% × 12,00,000 = ₹6,00,000; PF at 12% = ₹72,000 from you and ₹72,000 from the employer.",
            "Gross = 12,00,000 − 72,000 = ₹11,28,000; taxable (new) = 11,28,000 − 75,000 = ₹10,53,000, below ₹12 lakh, so tax is nil after rebate.",
            "Take-home = 11,28,000 − 72,000 − 2,400 = ₹10,53,600 a year, or ₹87,800 a month."
        ],
        "result": "A ₹12 lakh CTC with 50% basic pays about ₹87,800 a month in hand under the new regime."
    },
    "interpretation": "A large part of the gap between CTC and take-home pay is PF, which is still your money. Try the old regime with your deductions to see whether it raises your monthly pay.",
    "assumptions": [
        "Rates are for FY 2025-26 (AY 2026-27), the year covered by the Finance Act 2025, as published by the Income Tax Department. They are not yet updated for tax year 2026-27 under the Income-tax Act, 2025.",
        "You are a resident individual and all income is taxed at normal slab rates (no special-rate capital gains, lottery or similar income).",
        "New regime: nil up to ₹4 lakh, then 5%, 10%, 15%, 20%, 25% in ₹4 lakh steps and 30% above ₹24 lakh; rebate up to ₹60,000 when income is at most ₹12 lakh, with marginal relief just above it.",
        "Old regime: nil up to ₹2.5 lakh (₹3 lakh at 60–79, ₹5 lakh at 80+), 5% to ₹5 lakh, 20% to ₹10 lakh, 30% above; rebate up to ₹12,500 when income is at most ₹5 lakh.",
        "Surcharge of 10% above ₹50 lakh, 15% above ₹1 crore, 25% above ₹2 crore, and above ₹5 crore 25% (new) or 37% (old), with marginal relief; 4% cess on tax plus surcharge.",
        "Professional tax is deducted from pay but not from taxable income here.",
        "Employer and employee PF use the same rate and wage base."
    ],
    "limitations": [
        "Variable pay, reimbursements and perquisites are not modelled.",
        "Employers spread tax (TDS) across the year differently, so monthly pay may vary.",
        "Tax on employer PF or NPS above the tax-free limits is not included."
    ],
    "rules": {
        "jurisdiction": "India",
        "effective_from": "2025-04-01",
        "authority": "Income Tax Department (CBDT), Finance Act 2025, for FY 2025-26 / AY 2026-27",
        "checked": "2026-10-29",
        "review_after": "2027-03-31"
    },
    "faqs": [
        {
            "question": "Why is my in-hand salary much lower than CTC ÷ 12?",
            "answer": "CTC includes the employer’s PF and items such as gratuity and insurance that are not paid monthly; your own PF, professional tax and income tax are then deducted."
        },
        {
            "question": "Does a higher basic pay reduce take-home pay?",
            "answer": "Usually yes, because PF is a percentage of basic. It also raises your PF savings and gratuity."
        }
    ],
    "sources": [
        {
            "title": "Income Tax Department — tax rates for AY 2026-27 (senior citizens and super senior citizens)",
            "url": "https://www.incometax.gov.in/iec/foportal/help/individual/return-applicable-2"
        },
        {
            "title": "Income Tax Department — individuals with business or professional income, AY 2026-27",
            "url": "https://www.incometax.gov.in/iec/foportal/help/individual-business-profession"
        },
        {
            "title": "CBDT — e-filing ITR-4 validation rules, AY 2026-27",
            "url": "https://www.incometax.gov.in/iec/foportal/sites/default/files/2026-05/CBDT_e-Filing_ITR%204_Validation%20Rules_AY%202026-27.pdf"
        },
        {
            "title": "Income Tax Department — FAQs on new vs old tax regime",
            "url": "https://www.incometax.gov.in/iec/foportal/help/new-tax-vs-old-tax-regime-faqs"
        }
    ],
    "related": [
        {
            "name": "Old vs New Tax Regime Calculator",
            "url": "https://calculators.geekmidst.com/calculators/india-old-vs-new-tax-regime-calculator"
        },
        {
            "name": "EPF Calculator",
            "url": "https://calculators.geekmidst.com/calculators/epf-balance-calculator"
        },
        {
            "name": "HRA Exemption Calculator",
            "url": "https://calculators.geekmidst.com/calculators/hra-exemption-india-calculator"
        },
        {
            "name": "Gratuity Calculator",
            "url": "https://calculators.geekmidst.com/calculators/gratuity-india-calculator"
        },
        {
            "name": "Salary Calculator",
            "url": "https://calculators.geekmidst.com/calculators/salary-calculator"
        }
    ],
    "disclaimer": "Tax rules change and depend on how a supply is classified. Use this as a guide and confirm with the official notifications or a tax professional.",
    "publisher": "GM¹X CalcVerse"
}