Tax & salary
In-Hand Salary Calculator
చేతికి వచ్చే జీతం కాలిక్యులేటర్
Monthly take-home pay from your CTC, after PF, gratuity, professional tax and TDS.
Your result ఫలితం
In-hand salary చేతికి వచ్చే జీతం
1 lakh rupees a month
- Gross salary a monthస్థూల జీతం
- ₹1,14,494
- Your PFపీఎఫ్
- ₹7,500
- Professional taxవృత్తి పన్ను
- ₹200
- Income tax (TDS)ఆదాయపు పన్ను
- ₹6,486
- In hand a yearఏడాదికి
- ₹12,03,693
- In the old regimeపాత విధానంలో
- ₹91,024 a month
From CTC to in hand జీతం లెక్క
| Step | A month | A year |
|---|---|---|
| CTC | ₹1,25,000 | ₹15,00,000 |
| Employer's PF | − ₹7,500 | − ₹90,000 |
| Gratuity | − ₹3,006 | − ₹36,075 |
| Gross salaryస్థూల జీతం | ₹1,14,494 | ₹13,73,925 |
| Your PF | − ₹7,500 | − ₹90,000 |
| Professional tax | − ₹200 | − ₹2,400 |
| Income tax (TDS) | − ₹6,486 | − ₹77,832 |
| In-hand salaryచేతికి వచ్చేది | ₹1,00,308 | ₹12,03,693 |
| Regime | Taxable income | Tax a year | In hand a month |
|---|---|---|---|
| Newకొత్త | ₹12,98,925 | ₹77,832 | ₹1,00,308 |
| Oldపాత | ₹12,31,525 | ₹1,89,236 | ₹91,024 |
How in-hand salary is worked out
Your CTC (cost to company) is everything your employer spends on you in a year. Part of it never reaches your bank account each month: the employer's PF and, in many offer letters, gratuity. From the gross salary that is left, your own PF, professional tax and income tax (TDS) are taken off.
gross salary = CTC − employer's PF − gratuity
in hand = gross salary − your PF − professional tax − TDS
Example: a CTC of ₹15,00,000, with basic + DA at half of it: ₹7,50,000 a year. The employer's PF of ₹90,000 and gratuity of ₹36,075 leave a gross salary of ₹13,73,925, or ₹1,14,494 a month. Each month ₹7,500 of PF, ₹200 of professional tax and ₹6,486 of TDS (new regime) come off: ₹1,00,308 in hand. In the old regime, with only PF under 80C, it would be ₹91,024.
Good to know
- PF is 12% of basic + DA from you and the same from your employer. Of the employer's share, 8.33% (at most ₹1,250 a month) goes to the pension scheme (EPS) and the rest to your PF account.
- Many employers count PF only on the ₹15,000 wage ceiling: ₹1,800 a month each. On the example CTC that takes the in-hand salary to ₹1,10,819, but less goes into your PF.
- Gratuity is 15 days' basic for each year of service (4.81% of basic a year), paid when you leave after at least five years, not every month.
- Professional tax in Andhra Pradesh and Telangana: nil up to ₹15,000 of monthly salary, ₹150 up to ₹20,000, ₹200 above (₹2,400 a year at most).
- Variable pay, a joining bonus and insurance premiums are often inside the CTC too. If yours are, the monthly in-hand is lower than shown here.
Questions
Why is my in-hand so much less than CTC ÷ 12?
On a ₹15,00,000 CTC, CTC ÷ 12 is ₹1,25,000. Of that, ₹10,506 is the employer's PF and gratuity, set aside for you rather than paid out, and ₹14,186 goes on your PF, professional tax and TDS.
Which regime should I tell my employer?
The one that costs you less: compare them with your own HRA and deductions in the income tax calculator. If you don't choose, TDS is deducted in the new regime, and you can still pick the other one when you file your return.
What next? తర్వాత ఏం చూడాలి
See all calculators →Estimates for tax year 2026-27, from the figures you enter. Your payslip depends on your employer's salary structure and TDS: check with HR.
