Private sector · CTC to in-hand

CTC Calculator

Convert your annual Cost to Company into monthly take-home. Includes Basic, HRA, Special Allowance, PF, Professional Tax, and income tax (New Regime, FY 2025-26).

Inputs

Annual CTC (₹)

Basic as % of CTC

Most IT / private-sector pay slips set basic at 40–50% of CTC.

City category

Monthly rent paid (₹) — for HRA exemption reference

Cap PF at ₹15,000 basic (standard EPFO rule)

Monthly breakdown

Gross Earnings

Basic Pay₹40,000

HRA (50% of Basic)₹20,000

Special Allowance₹36,277

Gross Monthly₹96,277

Deductions

Employee PF (12% of Basic)−₹1,800

Professional Tax−₹200

Income Tax TDS (New Regime)−₹0

Total Deductions−₹2,000

Monthly Take-Home

₹94,277

Employer PF: ₹1,800/mo (in CTC, not in-hand)

Old Regime HRA Exemption (for reference)

Eligible HRA exemption: ₹16,000/mo

Compare this against your 80C investments to decide which regime benefits you more.

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