Anslation Take-Home

CTC to monthly in-hand pay, new or old tax regime, every assumption editable.

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Anslation Take-Home

CTC to monthly in-hand pay, new or old tax regime, every assumption editable.

Runs in your browserNo account needed

Your salary

CTC

₹

Cost to company, a year.

Basic pay share of CTC

%

Often 40 to 50%. Check your offer letter.

Provident fund

You and your employer each pay 12% of basic, many employers on at most ₹15,000 a month.

Gratuity

Professional tax a year

₹

Example: ₹2,400 a year. It depends on your state.

In-hand each month · New regime

₹96,200

₹11,54,400 a year from a CTC of ₹12,00,000

Income tax a month
₹0
Your PF a month
₹1,800
Employer adds the same
Old regime
₹86,866
₹9,334 less a month

Where it goes

A month, from gross salary to what reaches your bank.

Gross salary₹98,200

Your PF−₹1,800

Professional tax−₹200

Income tax and 4% cess₹0

In-hand₹96,200

Taxable income ₹11,03,400 · slab tax ₹50,340 − rebate (87A) ₹50,340 + cess ₹0 = ₹0 a year. CTC also holds employer PF ₹21,600 a year.

Tax assumptions

New regime figures for FY 2025-26 (Union Budget 2025) to start. Edit them for another year.

Standard deduction

₹

Rebate limit

₹

Rebate when taxable income is up to

Rebate up to

₹

Largest rebate

Slabs on taxable income

Up to
₹
Tax rate
%
Up to
₹
Tax rate
%
Up to
₹
Tax rate
%
Up to
₹
Tax rate
%
Up to
₹
Tax rate
%
Up to
₹
Tax rate
%
Above ₹24,00,000
of taxable income
Tax rate
%

In-hand = CTC − employer PF − gratuity − your PF − professional tax − income tax with 4% cess, over 12 months. Bonuses, allowances, HRA rules and surcharge are not modelled. An estimate, not tax advice.