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CTC to In-Hand Salary Calculator

Estimate your monthly in-hand salary from your total CTC.

Quick estimate uses:
  • Basic salary: 50% of CTC
  • PF: 12% of basic
  • Professional tax: ₹200/month
  • Income tax: not included unless entered in Customize mode

Understand how much money hits your bank account every month. This calculator breaks down your Cost to Company (CTC) into Gross Salary and Net In-Hand Salary by estimating Employer PF, Employee PF, Professional Tax, and Income Tax.

How to Use

  1. Enter your total annual CTC.
  2. Use the Quick Estimate mode for standard assumptions, or Customize mode to enter your precise percentages and tax deductions.
  3. Review the estimated monthly in-hand and annual take-home salary.

Formula

In-Hand Salary = CTC - (PF + Tax + Professional Tax + Other Deductions)

Examples

CTC vs Gross vs In-Hand

CTC is the total cost to the company including employer contributions (like Employer PF). Gross salary is CTC minus employer contributions. In-Hand salary is Gross minus employee deductions (like Employee PF and Income Tax).

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