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Salary Calculator — CTC to In-Hand

Convert your Annual CTC (Cost to Company) into your actual monthly in-hand salary, accounting for typical PF, tax and other standard deductions.

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💼 Enter Your CTC

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PF: 12% of Basic deducted (employee) | Note: Actual in-hand varies by tax slab & 80C investments

📊 In-Hand Salary

Enter CTC and click Calculate
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Disclaimer: Results provided by this calculator are for educational and estimation purposes only. They do not constitute formal financial, investment, or tax advice. Actual returns, rates, and tax treatment depend on your specific circumstances and prevailing regulations. Consult a certified financial advisor or chartered accountant before making financial decisions.

Why In-Hand Salary Is Lower Than CTC

Your Annual CTC (Cost to Company) is the total the company spends on you — it includes your base salary plus employer PF contribution, gratuity provision, insurance, and other benefits that never actually hit your bank account. Your in-hand salary is what's left after deducting employee PF contribution, professional tax, and income tax (TDS) from your gross monthly pay.

Worked Example

An Annual CTC of ₹12,00,000 (₹1,00,000/month gross-equivalent) typically results in an in-hand monthly salary in the range of ₹75,000-85,000 after employee PF (12% of basic), professional tax, and applicable income tax — the exact figure depends heavily on your salary structure's basic-to-allowances split and which tax regime you choose. Use our Income Tax Estimator alongside this for a more precise TDS estimate.

Frequently Asked Questions

CTC includes costs the company incurs on your behalf that you never directly receive as cash: employer PF contribution (typically 12% of basic), gratuity provisioning, employer's share of insurance premiums, and sometimes variable/bonus components that aren't guaranteed monthly. The gap between CTC and in-hand is usually 20-35% depending on your salary structure.
Yes, significantly. A higher basic salary means higher PF deduction (reducing in-hand pay now, but building retirement savings) and can affect HRA exemption calculations. A structure with more allowances and less basic often increases in-hand pay but reduces retirement corpus contributions and gratuity — there's a genuine trade-off, not a free lunch.
This depends on your deductions — see our Income Tax Estimator to compare Old vs New regime for your specific income and deduction profile. Generally, if you have significant 80C investments, HRA, or home loan interest to claim, the Old Regime often results in less TDS and higher in-hand pay; otherwise, the New Regime's lower slabs may win.
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