Convert your CTC to monthly in-hand salary with a full structure breakdown — Basic, HRA, special allowance, EPF, gratuity, professional tax, and income tax. New vs old regime side-by-side, FY 2025-26 slabs.
Metro: Mumbai, Delhi, Chennai, Kolkata
CTC vs in-hand
Typical gap is 20–30%. Employer EPF (12% of basic) and gratuity (4.81% of basic) are part of CTC but don't reach your account. From the rest, employee EPF, professional tax, and income tax come out.
HRA exemption rules
Minimum of: actual HRA, 50% (metro) / 40% (non-metro) of basic, and rent paid minus 10% of basic. No rent? No HRA exemption. Only matters under the old regime.
Negotiate basic %
A higher basic increases HRA, gratuity, and EPF — boosting long-term savings but reducing today's in-hand. A lower basic gives more in-hand now. The sweet spot is usually 40–50%.
CTC (Cost to Company) is the total amount the employer spends on you, including employer EPF contribution, gratuity provision, insurance, and other benefits. In-hand salary is what actually reaches your bank account after deducting employee EPF, professional tax, and income tax. The gap is typically 20–30% depending on the salary structure.
A typical Indian salary structure: Basic salary (usually 40–50% of CTC), HRA (50% of basic for metro cities, 40% for non-metro), Special allowance (fills the remainder), Employer EPF contribution (12% of basic, part of CTC but not in-hand), and Gratuity provision (4.81% of basic). The employee pays EPF (another 12% of basic), professional tax, and income tax from the gross salary.
HRA exemption (old regime only) is the minimum of three values: (1) actual HRA received, (2) 50% of basic salary for metro cities (40% for non-metro), and (3) actual rent paid minus 10% of basic salary. If you don't pay rent, your HRA exemption is zero and the full HRA is taxable.
Professional tax is a state-level tax deducted from your salary. Rates vary by state — Maharashtra and Karnataka cap it at ₹2,500/year, while some states have lower or no professional tax. This calculator assumes ₹2,500/year as default; adjust under advanced options if your state differs.
The statutory EPF cap is ₹15,000 of basic salary, which limits the employee contribution to ₹1,800/month (₹21,600/year). Many companies follow this cap; others deduct 12% of full basic regardless. Check your offer letter or salary slip. The advanced options toggle this.
The new tax regime has lower slab rates and a higher rebate (₹12 lakh tax-free under Section 87A). Most salaried individuals without significant deductions (like maxed-out 80C, large HRA exemption, or home loan interest) end up with more in-hand under the new regime. This calculator computes both and shows which one gives you more take-home.
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