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 |
Salary Formula and Calculation Method
The CTC-to-in-hand calculation follows a standard deduction waterfall used by most Indian employers. Here is how each component is computed:
Annual CTC divided by 12 months. Includes basic, HRA, and all allowances.
Industry standard. Your payslip may use 40–60% depending on employer policy.
Mandatory if basic salary ≤ ₹15,000. Optional above threshold but most companies deduct it.
Maharashtra, Karnataka, WB deduct this. Delhi, UP, Rajasthan do not levy PT.
Divided by 12 and deducted monthly. Varies with investments declared via Form 12BB.
Amount credited to your bank account every month.
Example: CTC ₹12L → Gross ₹1,00,000/mo → Basic ₹50,000 → EPF ₹6,000 → PT ₹200 → TDS ~₹4,000 → In-hand ~₹89,800/mo (new regime, no investments).