CTC to In-Hand Salary Calculator
Convert your annual CTC into monthly take-home salary. See the full breakdown of PF, professional tax, and income tax deductions.
Salary Details
Professional Tax (Monthly)
Tax Regime
Monthly In-Hand Salary
₹₹87,842
Annual in-hand: ₹10.54 L
Gross Monthly
₹₹1,00,000
PF Deduction
₹₹6,000
Income Tax/mo
₹₹5,958
Monthly In-Hand
₹₹87,842
Monthly Salary Breakdown
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What is CTC vs In-Hand Salary?
Your CTC (Cost to Company) is the total annual expenditure your employer incurs for employing you. It includes your gross salary, employer's PF contribution (12% of basic), gratuity provision (4.81% of basic), medical insurance, and other perks. Your in-hand or take-home salary is the amount credited to your bank account every month — after deducting employee PF (12% of basic), professional tax (if applicable in your state), and income tax (TDS). The gap between CTC and in-hand can be 20–35% depending on your tax slab and deductions. This calculator uses a standard 50% basic assumption and the tax regime you choose to compute the closest estimate of your monthly take-home.
How to Use the Salary Calculator
- 1.Annual CTC: Enter your total CTC as mentioned in your offer letter.
- 2.PF %: 12% is the statutory rate. Keep it if standard; adjust to 0% if your employer uses NPS instead.
- 3.Professional Tax: Select your state. If your state is not listed or doesn't have PT, choose ₹0.
- 4.Tax Regime: Toggle between old and new regime to see which gives higher in-hand.
- 5.Result: See your monthly in-hand and full deduction breakdown. Download as PDF to share with your employer or CA.
Typical Salary Structure in India
| Component | Typical % | Notes |
|---|---|---|
| Basic Salary | 40–50% | PF calculated on this |
| HRA | 20–25% | Partially tax-exempt if renting |
| Special Allowance | Remaining | Fully taxable |
| Employee PF | 12% of basic | Deducted from gross |
| Professional Tax | ₹0–₹200/mo | State-dependent |