Question 1

What is CTC and how is it different from in-hand salary?

Accepted Answer

CTC (Cost to Company) is the total salary package offered by the employer, including all benefits and contributions. In-hand or take-home salary is what you actually receive after deductions like income tax, PF, and professional tax. Typically, in-hand salary is 70–85% of CTC depending on your income slab.

Question 2

Which tax regime is used in this salary calculator?

Accepted Answer

This calculator uses India's New Tax Regime for FY 2025-26 with a ₹75,000 standard deduction. Under the new regime, those earning up to ₹7 lakh taxable income pay zero income tax due to the Section 87A rebate.

Question 3

How is PF calculated in this salary calculator?

Accepted Answer

Employee PF is calculated as 12% of basic salary. This calculator assumes basic salary = 50% of gross CTC. For a ₹50,000/month salary, basic = ₹25,000, so employee PF = ₹3,000/month.

Question 4

What is LPA and how do I convert it to monthly salary?

Accepted Answer

LPA stands for Lakhs Per Annum — a common salary benchmark in India. To convert LPA to monthly, divide by 12. For example, 12 LPA = ₹12,00,000 annually = ₹1,00,000/month gross. Use our calculator to instantly see the in-hand amount.

Question 5

Is the salary calculator free?

Accepted Answer

Yes, CalcTools AI's Salary Calculator is completely free to use. There are no sign-ups, no downloads, and no hidden fees. Get your salary breakdown instantly.

Question 6

Does this calculator work for all Indian states?

Accepted Answer

Income tax and PF are central government deductions that apply across India. Professional tax varies by state — this calculator uses a common average of ₹200/month. Actual professional tax may differ slightly in your state.

Question 7

How much in-hand salary is 10 LPA in India?

Accepted Answer

For a 10 LPA salary under the New Tax Regime FY 2025-26, the approximate in-hand salary is around ₹73,000–₹76,000 per month after income tax, PF, education cess, and professional tax deductions. Use our calculator above for the exact figure.

Salary Calculator for ₹40,000 per month (4.8 LPA)

₹40,000 per month (4.8 LPA)

Salary Calculator for ₹40,000 per month (4.8 LPA)

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