CTC to in-hand salary calculator
Enter an annual CTC to see what actually lands in your account each month, after EPF, income tax and professional tax. Free, instant, nothing to sign up for.
Your offer
Monthly in-hand
₹29,533
₹3,54,400 a year · 89% of CTC reaches you
- CTC
- ₹4,00,000
- Less: employer EPF (inside CTC, not paid to you)
- −₹21,600
- Gross salary
- ₹3,78,400
- Less: your EPF
- −₹21,600
- Income tax (nil — 87A rebate)
- ₹0
- Less: professional tax
- −₹2,400
- Net in hand
- ₹3,54,400
Where this sits for accounting roles
- Accounts executive (fresher)₹180k–₹300k
- Accountant (1–3 years)your offer₹300k–₹500k
- Senior accountant (3–5 years)₹500k–₹800k
- Finance / audit associate (Big 4 entry)₹600k–₹900k
Indicative ranges, not survey data — use them to sanity-check an offer, not to argue a number.
New tax regime, rates last reviewed 2026-08-03. Assumes no HRA or 80C claims, which the new regime largely removes anyway. An estimate for comparing offers, not tax advice — your payslip is the authority.
Why in-hand is never CTC ÷ 12
CTC includes what the employer spends on you, not what they pay you. The largest hidden slice is the employer's EPF contribution — it is your money, but it goes to your PF account, not your bank. Your own EPF comes out on top of that.
Under the new regime there is no income tax up to ₹12,00,000 of taxable income, thanks to the 87A rebate and the ₹75,000 standard deduction. Cross that line by a rupee and the full slab ladder applies — which is why a small raise near ₹12L can feel like a pay cut.
For accounting roles, the gap between a ₹2.4L fresher offer and a ₹4.5L one is rarely the degree. It is Tally, GST filing, TDS and reconciliation — the work employers pay a premium for. Our 45-day cohort teaches exactly that, on real data, with placement support.