What is the difference between CTC and in-hand salary?

CTC (Cost to Company) is the total amount mentioned in your offer letter, including PF, gratuity, and insurance. In-hand salary is the actual cash credited to your bank account after deducting Income Tax, Employee PF, Professional Tax, and other deductions. The difference is usually 15-30%.

How to calculate in-hand salary from CTC manually?

Formula: In-Hand = Gross Salary - (PF + P.Tax + Income Tax). Start with Monthly Gross CTC, subtract Employee PF (12% of Basic), Professional Tax (approx ₹200), and Income Tax based on the new 2025-26 slabs.

How much in-hand salary for 5 LPA?

For a 5 LPA package, the monthly in-hand salary is approximately ₹36,000 - ₹38,000. Income up to ₹7 Lakhs is tax-free under the new regime (FY 2025-26).

What is the in-hand salary for 8 LPA?

For 8 LPA, expect an in-hand salary of roughly ₹58,000 - ₹62,000 per month.

What is the in-hand salary for 12 LPA?

For 12 LPA, the in-hand salary is approximately ₹85,000 - ₹90,000 per month. There is minimal tax liability due to standard deduction and rebate under the new regime.

How to calculate TCS or Infosys fresher in-hand salary?

For IT service companies like TCS (e.g., 3.36 LPA), the monthly in-hand is typically ₹23,000 - ₹25,000. Variable pay or quarterly bonuses are often separate from the monthly credit.

CTC to In-Hand Salary Calculator 2025-26

Calculate your actual take-home salary from CTC with the latest tax regimes, PF, and other deductions.

Calculation Results

Estimated Monthly Breakdown for ₹25 Lakh CTC

Annual CTC	₹25,00,000
Monthly Gross	₹2,08,333
Est. Monthly In-Hand	₹1,35,417

*This is a weighted average estimate. Actual in-hand depends on your HRA, tax regime, and voluntary deductions.

Calculate Your Take-Home Salary

Convert your annual CTC to accurate monthly in-hand salary with detailed deductions analysis.

Components analyzed: Basic Pay, HRA, Special Allowance, EPF Employee Contribution, EPF Employer Contribution, Professional Tax, and Income Tax.