Basic is a % of CTC (default 40%). HRA is 50% or 40% of basic. Employer PF is 12% of basic. Gratuity accrual is 15/26/12 of basic. Special allowance is the residual.

Is employer PF part of in-hand?

No. It is in CTC but not in monthly cash. Employee PF and tax come out of cash.

New regime by default with ₹75,000 standard deduction. Switch to old to apply HRA exemption and PF as 80C.

Default ₹2,400 (typical Karnataka). Change it for your state.

Runs in your browser · Last updated 4 September 2026

Free CTC to Take-Home Calculator (India FY 2026-27)

Free CTC to take-home calculator. Split CTC into basic, HRA, PF, and new-regime tax for FY 2026-27. Browser tool — nothing is uploaded.

Annual CTC (₹)Basic % of CTCRent paid (old regime HRA, ₹)Professional tax / year (₹)City typeTax regime

Basic

₹7,20,000

HRA component

₹3,60,000

Employer PF

₹86,400

Employee PF

₹86,400

Income tax

₹1,25,629

In-hand / year

₹14,64,556

In-hand / month

₹1,22,046

How to use this tool

Enter annual CTC.
Adjust basic % if your offer letter differs.
Read in-hand per month after PF, PT, and tax.

Offer-letter vs cash

A ₹18 lakh CTC is not ₹1.5 lakh in the bank. Employer PF and gratuity sit in CTC. This page makes that visible before you negotiate.

Frequently asked questions

How is CTC split?: Basic is a % of CTC (default 40%). HRA is 50% or 40% of basic. Employer PF is 12% of basic. Gratuity accrual is 15/26/12 of basic. Special allowance is the residual.
Is employer PF part of in-hand?: No. It is in CTC but not in monthly cash. Employee PF and tax come out of cash.
Tax?: New regime by default with ₹75,000 standard deduction. Switch to old to apply HRA exemption and PF as 80C.
Professional tax?: Default ₹2,400 (typical Karnataka). Change it for your state.
Uploaded?: No.