In-Hand Salary Calculator

LPA to monthly in-hand salary: quick answers

Monthly take-home for common packages, from the same engine as the calculator above: basic at 40% of CTC, employer and employee PF at 12% inside the CTC, ₹200 a month of professional tax, new tax regime FY 2026-27. No income tax applies up to 12 LPA on this structure.

From CTC to what actually reaches your bank

Cost to Company is what your employer spends, not what you receive. Several components never reach your account: the employer’s EPF contribution, gratuity accrual, and any insurance premium the company pays are all inside CTC but are not take-home pay.

From the gross that remains, three further deductions apply — your own EPF contribution, income tax deducted at source, and professional tax where your state levies it. What is left is your in-hand salary.

In-hand salary from 3 LPA to 50 LPA

The same structure at every common package, computed by the engine behind this calculator: basic at 40% of CTC, the employer’s provident fund inside the package, ₹200 a month of professional tax and the FY 2026-27 new regime. Each linked band has its own page with the full payslip, the tax working and the packages either side.

Why the basic percentage matters less than it used to

EPF is 12% of PF wages from both you and your employer. Under the Code on Social Security, wages are basic, dearness allowance and retaining allowance — but allowances such as HRA and conveyance are left out only up to half of your total pay, and anything beyond that is added back. So PF wages are never less than half the package: with basic at 30%, 40% or 50% of CTC, the deduction and your take-home come out the same.

Above half, the share structured as basic still changes your take-home. A higher basic then means more goes into EPF — reducing in-hand pay today while increasing retirement savings and gratuity entitlement. The calculator lets you set the basic percentage and shows when the 50% rule has lifted PF wages above basic.

What this calculator assumes

Tax is computed under the new regime, the default since FY 2023-24, using the FY 2026-27 slabs and the ₹75,000 standard deduction. If you claim significant deductions under the old regime, use the Old vs New Tax Regime calculator to compare first.

EPF is modelled at 12% of full PF wages for both sides by default — basic, or half the package if basic is smaller, with the whole CTC counted as total pay. If your employer caps PF at the statutory wage ceiling — ₹25,000 a month since 17 September 2026, up from ₹15,000 — switch the calculator to the ceiling and each side becomes ₹3,000 a month however large PF wages are. Professional tax is entered by you because it varies by state — ₹200 a month is typical. Gratuity accrual, ESI, NPS, variable pay and perks are not modelled.