💸 In-Hand Salary Calculator — FY 2025-26
The offer says CTC. Your bank account says otherwise. Here's the honest monthly number, both regimes.
Monthly in-hand (new regime)
₹90,200
from a CTC of ₹12,00,000 — that's 90% of the headline number
new regime ✓
₹90,200/mo
tax ₹0/yr
old regime
₹79,608/mo
tax ₹1,27,109/yr
Where the CTC goes (annual)
| Basic (+DA) — 40% | ₹4,80,000 |
| Employer PF — in CTC, never in your account | −₹57,600 |
| Gross salary (payslip) | ₹11,42,400 |
| Employee PF (goes to your PF account, counts in 80C) | −₹57,600 |
| Professional tax | −₹2,400 |
| Income tax (new regime) | −₹0 |
| In your bank account | ₹10,82,400 (₹90,200/mo) |
💡 This assumes a typical structure (HRA = 40% of basic, PF at statutory rates, no bonus/variable timing). Your exact numbers — with 80C beyond PF, NPS, home loan and more — take 3 minutes in the conversational workspace. Structuring the CTC itself (basic %, NPS, HRA jointly) is what the CTC Designer (Pro) does.