Salary Calculator (CTC to In-Hand)
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For education and planning only. Your bank or lender’s actual figures can differ — fees, rounding, day-count conventions and local rules vary. Always confirm the final numbers with your provider before deciding.
A CTC to in-hand salary calculator shows what actually reaches your bank account from your annual cost to company. CTC includes items you never receive as cash — the employer's provident fund contribution and gratuity provision — so your take-home is always lower. This tool subtracts those, plus your own PF and any deductions you enter, to show a realistic monthly figure. It follows Indian payroll conventions and runs on your device.
How to use it
- Enter your annual CTC.
- Set what share of it is basic salary — 40% is a common default.
- Add any other annual deductions such as income tax to see monthly in-hand.
Examples
- ₹12,00,000 CTC at 40% basic → roughly ₹88,000 a month before income tax.
- Employer PF and gratuity together account for most of the gap from CTC.
Frequently asked questions
- Why is my in-hand salary less than my CTC?
- CTC is everything the company spends on you, not what you receive. The employer's provident fund contribution, the gratuity provision, and often insurance premiums sit inside CTC but never reach your account. Your own PF and income tax then come out of what remains.
- What is included in CTC but not in-hand?
- Typically the employer's 12% PF contribution, the gratuity provision of roughly 4.81% of basic, group health insurance premiums, and sometimes meal cards or performance bonuses that only pay out conditionally.
- How much PF is deducted?
- Both you and your employer normally contribute 12% of basic salary. Your 12% is deducted from your salary — it is still your money, growing in your PF account — while the employer's 12% is part of CTC and never appears in your payslip as cash.
- Does this include income tax exactly?
- No. Income tax depends on your chosen regime, deductions, and investments, which vary too much for a general estimate. Enter your expected annual tax in the deductions field, or treat the result as your pre-tax in-hand figure and confirm with your payroll team.