Salary: CTC to in-hand
Assumptions
Basic and HRA come from the shares entered; the remainder of CTC is a taxable special allowance after removing employer PF and gratuity accrual when they are part of CTC. Employer and employee PF are 12% of basic capped at the statutory wage ceiling or on full basic; VPF adds to the employee share. ESI applies at 0.75% when monthly gross is within the ceiling. Professional tax follows the selected state's slabs, with February surcharges where the state levies one. TDS is the year's tax under the chosen regime divided by twelve, using the registry slabs, standard deduction, rebate and cess; old-regime HRA exemption uses the rent entered. Employee PF counts toward Section 80C only if included in the deductions you enter. Bonuses, LTA, meal benefits and employer-specific components are outside the model.
Rules: Labour Codes central rules, May 2026, reviewed 2026-09-11.
KPMG · Labour Codes central rules, May 2026
ClearTax · ESI contribution rates
Estimates are not personalised financial advice. Review assumptions before use.
Estimated monthly in-hand
Based on your inputs. Not guaranteed.
From CTC to what you receive
Retirals are yours but not in hand. The other regime's tax appears in the details.- Annual CTC₹12 lakh
- Employer PF and gratuity-₹44,677
- Employee PF, VPF and ESI-₹21,600
- Professional tax-₹2,500
- Income tax-₹0
- Annual in-hand₹11.31 lakh
Retirals are yours but not in hand. The other regime's tax appears in the details.
View detailed breakdown
Why is in-hand less than CTC minus tax?
Employer PF and gratuity are yours but not paid monthly. Employee PF, ESI and professional tax leave before tax is deducted.
Detailed results
| Result | Value |
|---|---|
| Estimated monthly in-hand | ₹94,269 |
| Annual gross salary | ₹11.55 lakh |
| Employer PF (retiral) | ₹21,600 |
| Gratuity accrual (retiral) | ₹23,077 |
| Employee PF and VPF | ₹21,600 |
| ESI (employee share) | ₹0 |
| Professional tax | ₹2,500 |
| Income tax (TDS) for the year | ₹0 |
| Monthly TDS | ₹0 |
| In-hand as share of CTC | 94.3 % |
| Annual tax under the old regime instead | ₹1.07 lakh |
Basic is below half of CTC. Under the Labour Codes, allowances above 50% of remuneration are added back to wages for PF and gratuity; payroll may compute higher retirals than shown.
Cash flow table
| Period | Gross salary | In-hand |
|---|---|---|
| Month 1 | ₹96,277 | ₹94,277 |
| Month 2 | ₹96,277 | ₹94,177 |
| Month 3 | ₹96,277 | ₹94,277 |
| Month 4 | ₹96,277 | ₹94,277 |
| Month 5 | ₹96,277 | ₹94,277 |
| Month 6 | ₹96,277 | ₹94,277 |
| Month 7 | ₹96,277 | ₹94,277 |
| Month 8 | ₹96,277 | ₹94,277 |
| Month 9 | ₹96,277 | ₹94,277 |
| Month 10 | ₹96,277 | ₹94,277 |
| Month 11 | ₹96,277 | ₹94,277 |
| Month 12 | ₹96,277 | ₹94,277 |