In-hand salary calculator

₹ 18,00,000 per year

Assumptions

Left at zero, the old regime is compared using only the standard deduction, professional tax and your PF.

Monthly in-hand salary ₹ 1,21,105

From a CTC of ₹ 18,00,000, that is 80.7% of your CTC reaching your account.

Where every rupee goes

Cost to company ₹ 18,00,000
Employer's PFin CTC, not in salary − ₹ 1,08,000
Gross salary ₹ 16,92,000
Your PFyours, but locked − ₹ 1,08,000
Professional tax − ₹ 2,400
Income tax (new regime) − ₹ 1,28,336
Annual take-home ₹ 14,53,264
Monthly gross ₹ 1,41,000
Monthly in-hand ₹ 1,21,105
Annual tax ₹ 1,28,336
Effective tax rate 7.9%

Tax regime

New regime (better) ₹ 1,28,336
Old regime ₹ 2,82,859

The new regime leaves you ₹ 1,54,523 better off this year. Old-regime figures assume only the standard deduction, professional tax and your PF. Add your real 80C, 80D and HRA claims under Assumptions.

Expecting a raise? See what a hike on this salary is really worth: the headline percentage and the in-hand percentage are not the same number.

Your offer says ₹18 LPA. Your bank account disagrees. This shows where every rupee of your CTC goes and what lands in your account each month.

Gross, CTC and in-hand are three different numbers

  • CTC is what you cost your employer for the year. It includes the employer's PF contribution, and often gratuity accrual and variable pay you may not receive in full.
  • Gross salary is CTC minus the employer-side items, the figure your payslip starts from.
  • In-hand is gross minus your PF, professional tax and income tax. It is the only one of the three you can spend.

In-hand salary by CTC

Pre-filled breakdowns for the CTC figures people search for most.

Frequently asked questions

What is in-hand salary?

In-hand salary is what credits to your bank account each month, after every deduction. It sits below gross salary (which is before deductions) and well below CTC (which includes money your employer spends on you but never pays you, like its own provident fund contribution).

How do I calculate in-hand salary from CTC?

Remove the employer's PF contribution from CTC to get gross salary, then subtract your own PF, professional tax and income tax. On a ₹18,00,000 CTC that means gross of ₹ 16,92,000, and an in-hand of about ₹ 1,21,105 a month.

Why is my in-hand salary so much lower than my CTC?

Because CTC is a cost figure, not a pay figure. On ₹18 LPA roughly 19.3% of the headline number never reaches you: ₹ 1,08,000 is your employer's PF, ₹ 1,08,000 is your own PF, and ₹ 1,28,336 is income tax.

Does the calculator include income tax?

Yes. Full slab tax, Section 87A rebate, marginal relief, surcharge and 4% cess, computed under both the new and old regimes. It then uses whichever regime leaves you better off.

Is my salary data sent anywhere?

No. Every calculation runs in your browser. Nothing you type is transmitted, logged or stored.

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