What is in-hand salary?

In-hand (take-home) salary is what actually reaches your bank account each month: your CTC minus employer contributions (EPF/NPS, which never come to you), your own EPF deduction, income tax (TDS) and professional tax.

How is take-home salary calculated from CTC?

Take-home = CTC − employer EPF/NPS − your own EPF − income tax − professional tax. Employer EPF/NPS are part of CTC but go into your retirement accounts, not your bank; your own EPF is deducted from salary; income tax is TDS.

Does the tax regime change my in-hand salary?

Yes. The regime changes your income tax, which changes take-home. The new regime is usually lower tax (higher in-hand) unless you have large old-regime deductions like HRA and 80C.

Is professional tax included?

Professional tax is a small state levy (often about ₹200/month, up to ₹2,500/year) and varies by state, so it is not modelled in the planner. Subtract it separately if your state charges it.

In-Hand (Take-Home) Salary Calculator (FY 2026-27)

Updated for FY 2026-27 · illustrative, not financial advice

Short answer: your in-hand (take-home) salary is your CTC minus the parts that never reach your bank: employer EPF/NPS, your ownEPF, income tax and professional tax. Thefree planner computes it for any CTC under both regimes; enter your number to see monthly and yearly take-home.

The formula

Take-home = CTC − employer EPF/NPS − your EPF − income tax − professional tax.Employer EPF and NPS are part of your CTC but go into retirement accounts, not your bank. Your own EPF (12% of basic) is deducted from salary. Income tax is deducted as TDS.

Take-home by CTC (new regime, statutory PF)

Annual CTC	Approx. in-hand / month
₹10,00,000	₹79,733
₹15,00,000	₹1,13,556
₹20,00,000	₹1,47,408
₹25,00,000	₹1,78,645

Figures assume basic = 50% of CTC, statutory EPF (₹1,800/mo each side), no NPS/meal structuring, and exclude state professional tax. Your actual take-home depends on your structure,run your exact CTC in the planner.

What's taken out of your CTC

Employer EPF / NPS: part of CTC, but paid into your retirement accounts.
Your own EPF: 12% of basic, deducted from your salary (post-tax in the new regime).
Income tax (TDS): depends on your regime and structuring. See how to cut it to ₹0.
Professional tax: a small state levy (~₹200/mo), varies by state.

Increase your take-home

Lower tax = higher in-hand. Pick the cheaper regime (old vs new) and, in the new regime, use employer EPF/NPS and meal coupons to cut tax. Theplanner’s optimiser shows the trade-off between locked savings and cash in hand.

Frequently asked questions

What is in-hand salary?: In-hand (take-home) salary is what actually reaches your bank account each month: your CTC minus employer contributions (EPF/NPS, which never come to you), your own EPF deduction, income tax (TDS) and professional tax.
How is take-home salary calculated from CTC?: Take-home = CTC − employer EPF/NPS − your own EPF − income tax − professional tax. Employer EPF/NPS are part of CTC but go into your retirement accounts, not your bank; your own EPF is deducted from salary; income tax is TDS.
Does the tax regime change my in-hand salary?: Yes. The regime changes your income tax, which changes take-home. The new regime is usually lower tax (higher in-hand) unless you have large old-regime deductions like HRA and 80C.
Is professional tax included?: Professional tax is a small state levy (often about ₹200/month, up to ₹2,500/year) and varies by state, so it is not modelled in the planner. Subtract it separately if your state charges it.