Reviewed by Artha Research·Last updated 8 April 2026
CTC to In-Hand Salary Calculator
Convert your CTC into monthly and annual take-home salary under both old and new tax regimes.
Your CTC profile
Break down CTC into components and see the take-home under both regimes.
Monthly take-home
₹1,55,874
77.9% of CTC hits your bank account
At ₹24.0L CTC, you take home ₹18.7L a year under the new regime.
Verify the HRA exemption and 80C usage — they're the two levers that move take-home most.
Annual CTC
₹24L
Gross salary
₹22.4L
CTC minus employer PF and gratuity provision.
Annual take-home
₹18.7L
Monthly take-home
₹1,55,874
new regime tax
₹2.5L
Employee PF
₹1.2L
Breakdown
- Basic₹9.6L40.0%
- HRA₹4.8L20.0%
- Special allowance₹8L33.3%
- Employer PF₹1.2L4.8%
- Gratuity provision₹46.2K1.9%
Benchmarks
Old vs New regime take-home
-3.4%You
₹18.1L
Benchmark
₹18.7L
New regime wins for this CTC profile
The new regime's lower slabs and ₹75k standard deduction beat your current deduction stack.
Next best actions
The result hints at what to look at next. Each link carries your current numbers so you never re-enter them.
At a glance
- What it does
- Breaks CTC into basic, HRA, employer PF, gratuity provision, and special allowance, then computes monthly take-home under both tax regimes.
- Typical ratio
- On a ₹24L CTC with 40% basic in a metro, monthly take-home lands around ₹1.65-1.75L (68-73% of CTC) depending on deductions.
- Hidden CTC drag
- Employer PF (12% of basic), gratuity provision (4.81%), and employee PF together shave 15-18% off CTC before income tax even enters.
- Best used for
- Understanding why your take-home is less than your CTC, and comparing offer letters from different companies on a like-for-like basis.
How It Works
This is the drill-down layer. The flagship flow leads with a recommendation, and this page lets you inspect the underlying model.
- CTC breakdown: Basic (40% default) + HRA (50%/40% of basic) + Employer PF (12% of basic) + Gratuity provision (4.81% of basic) + Special allowance (balancing).
- Gross salary = CTC − Employer PF − Gratuity provision.
- Take-home = Gross − Income tax − Employee PF (12% of basic) − Professional tax.
Assumptions
The recommendation stays blunt, but the assumptions remain visible.
- Basic is 40% of CTC by default; actual offer letters vary between 25% and 50%.
- HRA rate is 50% of basic for metro and 40% for non-metro.
- Employer and employee PF are both 12% of basic; employer PF is part of CTC but never paid out monthly.
- Professional tax is assumed at ₹2,400/year (most Indian states).
FAQ
The follow-up questions people usually ask after the main recommendation is already clear.
Why is my take-home less than my CTC?
CTC includes employer PF, gratuity provision, and insurance premiums that are never paid to you directly. Income tax, employee PF, and professional tax then reduce the gross further. Typical take-home ratios are 65-78% of CTC.
How does changing basic from 40% to 50% affect my take-home?
A higher basic means more employer PF and more employee PF (both 12% of basic). Your HRA and gratuity also rise with basic. Net effect: slightly lower take-home but more money in PF and HRA exemption.
Which regime gives higher take-home?
This calculator runs both regimes and picks the winner automatically. At high salaries with strong deductions (80C + HRA + home-loan interest), the old regime can win; at moderate salaries with thin deductions, the new regime usually wins.
Sources & references
Every formula and assumption above is grounded in these authoritative sources.
Related tools & decisions
Keep going from here — each link carries the same cluster context.
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