In-Hand Salary & CTC Take-Home Calculator 2026
Convert annual Cost to Company (CTC) into exact monthly take-home salary after EPF, Professional Tax, and Income Tax deductions.
D BIZ Salary & In-Hand Pay Calculator
Convert your Cost to Company (CTC) to accurate monthly in-hand take-home salary after EPF, PT, and TDS.
Compensation Details
Take-Home Pay Summary
CTC to In-Hand Salary Equation
As of September 30, 2026, EPF contributions are calculated at 12% of Basic + DA, with a statutory wage ceiling of ₹15,000 for mandatory coverage. The enhanced standard deduction of ₹75,000 applies automatically under the New Tax Regime.
Cost to Company (CTC) represents the total expenditure incurred by an employer on an employee, including employer EPF contribution (12%), gratuity provision (4.81%), and insurance, which are deducted from CTC to arrive at Gross Salary.
How to Use the In-Hand Salary & CTC Take-Home Calculator
Enter Annual Cost to Company (CTC)
Input your total offered annual compensation package in Indian Rupees.
Configure Salary Structure
Set your Basic Salary percentage (typically 40% to 50% of CTC) and applicable allowances.
Select Tax Regime
Choose New Tax Regime (default) or Old Tax Regime to calculate monthly TDS.
Download Monthly Payslip Breakdown
View itemized Gross Pay, Employer Deductions, Employee Deductions, and Net Monthly Credit.
Key Highlights & Capabilities
Frequently Asked Questions (FAQs)
Why is my monthly in-hand salary significantly less than CTC divided by 12?
Annual CTC includes non-cash components and employer statutory obligations such as Employer EPF (12%), Gratuity accrual (4.81%), medical insurance premiums, and performance-linked variables. Furthermore, Employee EPF, Professional Tax, and income tax (TDS) are deducted from your gross pay.
Is EPF contribution mandatory for all salaried employees?
EPF is legally mandatory for employees whose basic salary is up to ₹15,000 per month in establishments employing 20 or more persons. For basic salaries above ₹15,000, employees and employers can opt out at joining (Form 11) or contribute on actual basic pay.
What is Professional Tax and how much is deducted in Kerala?
Professional Tax is a state-level statutory tax levied on salaried employment. In Kerala, it is collected half-yearly by local municipal corporations or grama panchayats, ranging up to ₹1,250 every half year (maximum ₹2,500 per year).
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