Salary & tax · Tax Year 2026–27
CTC to in-hand calculator
Separate employer costs from gross pay, then estimate PF, income tax and payroll deductions. Start with your offer-letter CTC and adjust only what you know.
Estimated average monthly in-hand
₹1,24,004
₹1,09,004 in a fixed-pay month · variable pay averaged across 12 months
Total employer cost from your offer letter, including variable pay and employer contributions.
Enter zero if your CTC has no performance bonus or variable component.
Adjust salary structure and deductions
State-specific. Use zero when it does not apply or you are unsure.
Insurance, meal plan or other recurring deductions not already included.
1 · Your answer
Estimated average monthly in-hand
₹1,24,004
₹1,09,004 in a fixed-pay month · variable pay averaged across 12 months
2 · Why
CTC overview
Where your annual CTC goes
- Annual in-hand₹14,88,04882.7%
- Income tax₹1,28,1577.1%
- Employee PF₹72,5354.0%
- Employer PF₹72,5354.0%
- Gratuity provision₹36,3252.0%
- Other deductions₹2,4000.1%
Exports are created on this device. Your calculator values are not uploaded.
Annual CTC bridge
- Your CTC
- ₹18,00,000
- Employer PF
- − ₹72,535
- Gratuity provision
- − ₹36,325 (statutory wage floor applied)
- Gross cash pay
- ₹16,91,140
From gross pay to in-hand
- Employee PF
- − ₹72,535
- Estimated income tax
- − ₹1,28,157
- Other payroll deductions
- − ₹2,400
- Annual in-hand
- ₹14,88,048
3 · What it means
Your entered basic pay is below 50% of fixed gross, so the gratuity provision uses an estimated statutory wage floor under the Labour Codes effective 21 November 2025. Uses the default new income-tax regime for Tax Year 2026–27, ₹75,000 standard deduction, applicable rebate, surcharge and marginal relief, and 4% cess. Salary-only income is assumed. Actual payroll varies by employer structure, tax declarations, state professional tax, benefits and bonus timing.
Sources: Union Budget 2026 memorandum, EPFO, Ministry of Labour FAQs, and Ministry of Labour.
4 · What you may want to know next