Question 1

How do I calculate in-hand salary from CTC online free?

Accepted Answer

Enter your annual CTC above. The calculator deducts employer PF, employee PF, professional tax and TDS under your chosen tax regime and shows monthly take-home pay instantly.

Question 2

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

Accepted Answer

CTC is total cost to company including employer PF and gratuity. In-hand salary is what lands in your bank after PF, professional tax and TDS are deducted — usually 80 to 90 percent of CTC.

Question 3

Which regime gives higher in-hand salary in 2026?

Accepted Answer

For most salaried employees without HRA and 80C deductions, the new regime gives higher take-home pay due to lower slab rates and the 12 lakh rebate. Compare both options above.

Question 4

How much PF is deducted from salary?

Accepted Answer

Employee PF is 12 percent of basic salary, capped at ₹1,800 per month when basic exceeds ₹15,000. Your employer matches it separately inside CTC.

Question 5

Is this in-hand salary calculator accurate?

Accepted Answer

It uses FY 2025-26 slabs for both regimes with standard deduction, cess and marginal relief. Treat it as a close estimate and confirm TDS with your payroll team.

Question 6

Is this calculator free?

Accepted Answer

Yes, completely free with no sign-up. Use it unlimited times on any device.