A ₹10 LPA CTC in India 2026 typically yields a monthly in-hand of about ₹65,000–72,000 depending on the basic-pay percentage and tax regime. Take-home = Gross − EPF (12% of basic) − Professional tax − Income tax TDS. Under the new regime, the standard deduction of ₹75,000 plus revised slabs usually gives higher in-hand for CTCs below ₹15 LPA without large 80C/HRA claims.
About this calculator
A take-home salary calculator converts your annual CTC (Cost to Company) into the actual monthly amount credited to your bank account. The gap between CTC and in-hand salary surprises many first-time employees — a ₹10 lakh CTC typically yields a monthly in-hand of ₹65,000–72,000, depending on the tax regime and components.
Key deductions include: Employee PF (12% of basic, capped at ₹1,800 per month on a basic of ₹15,000), professional tax (state-dependent, up to ₹2,400 per year), and income tax (based on the chosen regime). This calculator models both old and new regime tax calculations side by side so you can instantly see which one leaves more money in your pocket each month.
Common uses
- Convert job offer CTC to monthly in-hand before accepting or negotiating
- Compare old vs new tax regime to decide which saves more tax for your CTC
- Estimate take-home across different basic salary percentages (typical structures vary from 30% to 50% of CTC)
- Calculate how PF contributions affect short-term take-home vs long-term retirement savings
- Plan monthly budget and savings commitments based on actual net salary
Frequently asked questions
Why is my take-home much less than my CTC?
CTC includes employer-side costs that you never receive in hand: Employer PF contribution (12% of basic), medical insurance, gratuity provision, and sometimes meal cards or allowances with tax implications. On top of that, your portion of deductions — Employee PF (12% of basic) and income tax TDS — reduce the gross salary further. The gap between CTC and in-hand is typically 25–35%.
How does the old vs new tax regime affect take-home salary?
The new tax regime (FY2024-25) has lower tax rates but no deductions (no 80C, no HRA exemption, no standard deduction beyond ₹75,000). The old regime has higher rates but allows all standard deductions. Generally, if your total eligible deductions exceed ₹3.75 lakh (the crossover point), the old regime saves more tax. Below that, the new regime is usually better.
Is Employee PF deduction mandatory?
Yes, for employees earning a basic salary of up to ₹15,000 per month, EPF registration is mandatory. For those earning above ₹15,000 basic, it is optional — but most companies enroll all employees. The employee contribution is 12% of basic salary (capped at ₹1,800 per month on a ₹15,000 cap), and the employer contributes an equal amount.
What is professional tax and who pays it?
Professional tax is a state-level tax deducted by employers from employee salaries. Not all states levy it. Maharashtra charges up to ₹200 per month (₹2,400 per year), Karnataka charges ₹200 per month for salaries above ₹24,000, and Tamil Nadu charges a flat amount. The maximum professional tax is ₹2,500 per year. It is deductible under Section 16 of the Income Tax Act.