Salary Calculator India: CTC to In-Hand Calculator

CTC (Cost to Company) includes both your direct take-home pay and indirect employer expenses. To calculate your monthly in-hand salary, subtract annual bonuses and employer EPF (12%) from your CTC to determine Annual Gross Earnings. Divide by 12 for Monthly Gross, then deduct Employee EPF (12%), Professional Tax (₹200/mo), and Income Tax TDS. The remaining amount is your net monthly take-home pay credited to your bank account.

• CTC (Cost to Company): The total annual expenditure incurred by the company on an employee, including statutory contributions (Employer PF, gratuity provisions) and bonuses. • Gross Salary: Total earnings before income tax and employee deductions (CTC minus employer contributions and annual bonus). • In-Hand (Take-Home) Salary: The actual net cash credited to your bank account each month after subtracting Employee PF, Professional Tax (PT), and TDS.

The 7th CPC Government Calculator uses the official Central Pay Matrix (Levels 1 to 14 and Faculty AGP 10-15). It calculates Gross Pay as: Basic Pay + Dearness Allowance (DA @ 60%) + House Rent Allowance (HRA @ 30%, 20%, or 10%) + Transport Allowance (Base TA + DA on TA). It then subtracts mandatory deductions—NPS (10% of Basic+DA), CGHS (medical), and CGEGIS (insurance)—to compute your exact Net In-Hand monthly salary.

Following 7th Central Pay Commission guidelines, because Dearness Allowance (DA) crossed the 50% threshold, HRA rates were revised upward: • X Category (Tier 1 Metros): 30% of Basic Pay (Delhi, Mumbai, Bengaluru, Chennai, Kolkata, Hyderabad, Ahmedabad, Pune). • Y Category (Tier 2 Urban): 20% of Basic Pay (Jaipur, Lucknow, Chandigarh, Patna, Bhopal, etc.). • Z Category (Tier 3 Rural): 10% of Basic Pay (all remaining towns and rural offices). • Government Quarters: 0% HRA (standard license fee applies).

Dearness Allowance is calculated directly on Basic Pay (DA = Basic Pay × DA %, currently 60% in 2026). In addition, central government rules stipulate that DA is also paid on Transport Allowance (DA on TA = Base TA × DA %), ensuring that commuter allowances increase automatically in line with inflation.

Under EPFO rules, the employee contributes 12% of their (Basic Salary + DA) monthly towards their EPF account. The employer contributes a matching 12% (split into 8.33% towards EPS Pension and 3.67% towards EPF). Many private companies cap the standard EPF at ₹1,800 per month based on the ₹15,000 statutory wage ceiling, while others offer voluntary full 12% contributions.

For Central Government and PSU employees under NPS, 10% of (Basic Pay + DA) is mandatorily deducted from monthly salary as the employee contribution. The Central Government matches this with a 14% contribution of (Basic Pay + DA) into the employee's Tier-1 PRAN account.

Professional Tax is a state-level tax levied on salaried professionals. Most states (including Maharashtra, Karnataka, Gujarat, Tamil Nadu, and West Bengal) deduct between ₹200 and ₹208 per month, capped constitutionally at ₹2,500 per year. Several states and union territories, such as Delhi and Haryana, levy ₹0 Professional Tax.

On our salary calculator, click "Download PDF" to generate and download a clean, formatted salary slip statement containing all earnings and deductions. Click "Excel / CSV" to export a structured spreadsheet file that opens seamlessly in Microsoft Excel and Google Sheets. You can also share the calculation directly using the "Share" button.

Yes. All pay matrix levels, Dearness Allowance percentages (60% DA), HRA classifications, EPF caps, and statutory deductions are fully up-to-date for Financial Year 2025-26 (Assessment Year 2026-27).