In-hand Salary Calculator
Break a CTC down into monthly take-home pay after deductions.
Your inputs
Assumes basic as a share of CTC, 12% employee PF on basic, and the new-regime tax with standard deduction.
Estimates only. Figures are indicative and do not constitute financial advice.
About the In-hand Salary Calculator
"CTC to in hand salary calculator" is one of the most common searches for anyone evaluating a job offer in India — because CTC (Cost to Company) almost never matches what actually lands in your bank account every month. This in-hand salary calculator (also called a take-home salary calculator) bridges that gap, converting your annual CTC into a realistic monthly take-home figure after the deductions that actually apply.
Your CTC includes components that never reach your bank account directly, most notably the employer's contribution to your Provident Fund (typically 12% of basic salary), which is part of your cost to the company but not your salary. This calculator estimates your basic salary as a percentage of CTC (you can adjust this — it commonly ranges from 30-50% depending on the company's salary structure), subtracts the employer PF contribution to arrive at your gross salary, then deducts your own employee PF contribution (also 12% of basic), income tax under the new regime, and monthly professional tax (a small state-level tax, typically ₹200/month in most states, capped by law). What's left is your actual monthly take-home pay. This is especially useful when comparing two job offers with different CTC structures — a higher CTC doesn't always mean higher take-home if the basic salary percentage or benefits split differently — or when negotiating a raise and wanting to know its real impact on your monthly income, not just the headline CTC number.
How to use this calculator
- Enter your annual CTC (Cost to Company).
- Adjust the basic salary percentage of CTC if you know it, or use the default.
- Enter your monthly professional tax (check your state's rate, or use the default).
- See your monthly take-home salary and full deduction breakdown.
Frequently asked questions
›What is the difference between CTC and in-hand salary?
CTC (Cost to Company) is the total amount a company spends on you annually, including employer PF, insurance, and other benefits, while in-hand salary (take-home) is what actually lands in your bank account after all deductions.
›Why is my in-hand salary lower than CTC divided by 12?
Because CTC includes non-cash and employer-side components like employer PF contribution, gratuity provisioning, and insurance, which aren't paid to you monthly, plus your own PF, tax, and professional tax are deducted from what remains.
›What percentage of CTC is usually basic salary?
It varies by company, but basic salary commonly falls between 30-50% of CTC — a higher basic usually means higher PF deduction but also a higher HRA exemption ceiling under the old tax regime.
›What is professional tax?
Professional tax is a small state-government-levied tax on salaried individuals, typically deducted monthly by your employer, with the maximum amount capped by law (commonly around ₹2,500 per year, varying by state).
›Does this calculator account for bonuses or variable pay?
No, this calculator estimates take-home pay from your fixed CTC components only — bonuses, variable pay, and one-time payouts are taxed separately and aren't included in this monthly estimate.
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Read the full guide
CTC to In-Hand Salary: How Much of Your CTC You Actually Take Home