CTC, Tax, Hike & Job Comparison
✓ 5 Calculator Modes - CTC to In-Hand, Hike, Comparison, Projection, Negotiation
✓ FY 2025-26 Tax Slabs - Old & New Regime Comparison
✓ State-wise Professional Tax - Accurate for all Indian states
✓ Job Offer Comparison - Compare 3 offers side-by-side
💡 CTC to In-Hand Calculator
Calculate your actual take-home salary with tax comparison
Take-Home Salary (New Regime)
₹91,559
per month
💰 Tax Regime Comparison
Old Regime Tax
₹12,806
New Regime Tax
₹5,536
✅ New Regime is Better
Save ₹7,270 per month
📊 Detailed Breakdown
| Component | Amount |
|---|---|
| Basic Salary | ₹50,000 |
| HRA | ₹25,000 |
| Special Allowance | ₹22,445 |
| Gross Salary | ₹97,445 |
| PF (Employee) | -₹150 |
| Professional Tax | -₹200 |
| Income Tax | -₹5,536 |
| Net Take-Home | ₹91,559 |
A Salary Calculator helps you calculate your actual take-home salary from CTC (Cost to Company) by deducting PF, professional tax, and income tax. It shows the exact in-hand salary you'll receive monthly.
Our calculator includes CTC to in-hand conversion, old vs new tax regime comparison (FY 2025-26), salary hike calculator, job offer comparison tool (3 offers), 5-year salary projection, and unique negotiation helper based on Ackerman technique.
Higher tax rates but allows deductions and exemptions like 80C (₹1.5L), HRA, LTA, medical reimbursement, etc.
✓ Standard Deduction: ₹50,000
Lower tax rates but NO deductions/exemptions allowed (except standard deduction). Simpler tax calculation.
✓ Standard Deduction: ₹75,000
| Component | % of CTC | Description | Taxable? |
|---|---|---|---|
| Basic Salary | 40-60% | Base pay, determines PF & HRA | Yes |
| HRA | 40-50% of Basic | House Rent Allowance | Partially |
| Special Allowance | Auto-adjusted | Balances remaining CTC | Yes |
| PF (Employee) | 12% of Basic | Provident Fund (max ₹1,800/month) | Deduction |
| PF (Employer) | 12% of Basic | Employer contribution | No |
| Professional Tax | ₹200-208/month | State-wise (Maharashtra, Karnataka, etc.) | Deduction |
| Gratuity | 4.81% of Basic | Payable after 5 years of service | No |
💡 Note: The above percentages are industry standards. Actual CTC breakdown may vary by company policy. Use our calculator above to get your exact salary breakdown based on your CTC.
Maharashtra
₹200
West Bengal
₹200
Karnataka
₹200
Tamil Nadu
₹208
Gujarat
₹200
Andhra Pradesh
₹200
Telangana
₹200
Madhya Pradesh
₹208
* Professional tax is deducted monthly from your salary. Most states charge ₹200-208 per month.
Step 1: Calculate Basic Salary
Basic = CTC × (40-60%) [Usually 50%]
Step 2: Calculate HRA
HRA = Basic × 50%
Step 3: Calculate Gross Salary
Gross = Basic + HRA + Special Allowance + Bonuses
Step 4: Calculate Deductions
Deductions = PF (12% of Basic) + Professional Tax + Income Tax
Step 5: Calculate In-Hand Salary
In-Hand = Gross Salary - Total Deductions
CTC: ₹12,00,000 per year
• Basic (50%): ₹6,00,000
• HRA (50% of Basic): ₹3,00,000
• Special Allowance: ₹2,50,000
• Gross Salary: ₹11,50,000
Deductions:
• PF: ₹72,000 (12% of Basic)
• Professional Tax: ₹2,400
• Income Tax (New Regime): ₹85,000
• Total Deductions: ₹1,59,400
✅ In-Hand Salary: ₹9,90,600/year (₹82,550/month)
CTC is typically 20-40% higher than in-hand salary due to employer contributions (PF, gratuity) and deductions (PF, taxes). Always ask for in-hand salary breakdown when negotiating offers!
Hike % = ((New Salary - Current Salary) / Current Salary) × 100
Current Salary: ₹10,00,000/year
New Salary: ₹11,50,000/year
Hike % = ((11,50,000 - 10,00,000) / 10,00,000) × 100
Hike % = (1,50,000 / 10,00,000) × 100
Hike % = 15%
Monthly Increase: ₹1,50,000 ÷ 12 = ₹12,500/month
Our calculator uses the proven Ackerman method with 4 strategic steps to maximize your salary offer:
Step 1: Initial Ask (105%)
Start 5% above your desired salary to create negotiation room
Step 2: First Concession (85%)
Make a significant 15% drop to show flexibility
Step 3: Second Concession (95%)
Smaller 5% concession to signal you're near your limit
Step 4: Final Offer (99%)
Minimal 1% drop - this is your absolute final number