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CTC to In Hand Salary Calculator

Use this CTC to In-Hand Salary Calculator to see your take-home pay, with the basic, HRA, PF, and tax breakup behind your CTC number. Adjust any input below and your results update instantly.

Your details

Adjust the inputs below and your results update instantly.

Cap employer PF at ₹15,000 wage

Common once Basic crosses ₹15,000/month: off contributes on full Basic instead.

Compute tax under the old regime

Off assumes the new regime (the default since FY 2023-24).

Annual CTC (₹)*

≈ ₹12.00 L

Your total Cost to Company: the full amount your employer spends on you each year, before any split into Basic, HRA, or other components.

₹2.5L₹50L

e.g. ₹12,00,000 a year

Basic salary (% of CTC)*

No law fixes this: 30-50% is the typical range companies use, with 40% being the most common default.

30%50%

e.g. 40% of CTC

HRA (% of Basic)*

Commonly 50% of Basic for metro cities, 40% for non-metro; set to 0% if your CTC structure doesn't include HRA at all.

0%50%

e.g. 50% of Basic (metro)

Professional tax (₹/year)*

Set by your state: some states (Delhi, UP, Haryana) charge none at all, while most others charge close to the constitutional cap of ₹2,500/year.

₹0₹2,500

e.g. ₹2,400/year (₹200/month)

These are example numbers. Edit any input on the left to see your own.

Your monthly in hand salary

₹94,276

94% of your annual CTC

Annual CTC

₹12.00 L

Net in hand (yearly)

₹11.31 L

₹11.55 L gross salary − ₹21,600 PF − ₹2,400 professional tax − ₹0 tax = ₹11.31 L net in hand.

Where your CTC goes

Every component of your CTC, from Basic down to your final net in hand amount.

ComponentAnnualMonthlyStatus

Basic salary₹4.80 L₹40,000

Salary component

40% of CTC

HRA₹2.40 L₹20,000

Salary component

20% of CTC

Special allowance₹4.35 L₹36,276

Salary component

36% of CTC

Employer PF₹21,600₹1,800

Not in your payslip

2% of CTC

Gratuity provision₹23,088₹1,924

Not in your payslip

2% of CTC

Employee PF-₹21,600-₹1,800

Deduction

2% of CTC

Professional tax-₹2,400-₹200

Deduction

0% of CTC

Income tax (New regime)₹0₹0

Deduction

0% of CTC

Net in hand₹11.31 L₹94,276

Take-home

94% of CTC

Compare scenarios

See how switching regimes or the PF wage cap changes your monthly in hand salary.

Your plan

New regime

₹94,276

Monthly in hand

Baseline

Old regime instead

Same CTC

₹82,349

Monthly in hand

-₹1.43 L

PF uncapped instead

₹15,000 wage ceiling

₹88,276

Monthly in hand

-₹72,000

Worked example: your CTC to in hand salary numbers

A step-by-step walkthrough of how your CTC becomes your in hand salary.

Step 1 · Basic & HRA

40% of CTC is Basic, with HRA at 50% of Basic

₹4.80 L + ₹2.40 L

Step 2 · Gross salary

After removing employer PF and gratuity, your gross salary is

₹11.55 L

Step 3 · Net in hand

After your own PF, professional tax, and income tax, you take home

₹11.31 L

✓

Of your ₹12.00 L CTC, ₹11.31 L (94%) actually reaches you as in hand salary each year.

Personalised insights

What your numbers reveal, and what changing them would do.

94% of your CTC reaches you as in hand

₹12.00 L CTC becomes ₹11.31 L a year in hand: ₹68,688 goes to employer costs, your own PF, and tax.

The New regime nets you ₹1.43 L more than the Old

Under the Old regime instead, your net in hand would be ₹9.88 L a year.

₹44,688 of your CTC never reaches your payslip

₹21,600 goes to the employer's own PF contribution and ₹23,088 is provisioned for gratuity, both real costs to your employer, neither part of your monthly credit.

Income tax takes ₹0 of your gross salary

That's on top of ₹21,600 to your own PF and ₹2,400 in professional tax, the three deductions between gross salary and net in hand.

How this is calculated

Every step of the math behind your result, shown in the open.

Basic and HRA, from your CTC

b = Basic as a % of CTC, h = HRA as a % of Basic, Basic = your basic salary, HRA = house rent allowance

No law fixes Basic and HRA. Your employer sets them as part of its own salary structure, which this calculator lets you adjust.

Example: 1200000% × 40% → ₹4.80 L Basic, × 50% → ₹2.40 L HRA

Gross salary: what's actually on your payslip

Gross Salary = Basic + HRA + Special Allowance combined, Employer PF = the employer's own PF contribution, Gratuity = the annual gratuity provision

Gross salary is the portion of your CTC that actually becomes part of your salary structure: everything else is an employer-side cost.

Example: ₹12.00 L − ₹21,600 − ₹23,088 → ₹11.55 L gross salary

Net in hand salary

Employee PF = your own PF contribution, Professional Tax = the small state-level tax on employment, Income Tax = TDS deducted under your chosen regime

What finally lands in your bank account each month, after every deduction from your gross salary.

Example: ₹11.55 L − ₹21,600 − ₹2,400 − ₹0 → ₹11.31 L net in hand

Assumptions

Basic and HRA percentages aren't statutory: they follow your employer's own salary structure, which varies company to company.
HRA exemption isn't modeled here: the full HRA is treated as taxable, which is exactly right under the new regime and a simplification under the old regime (see the dedicated HRA Exemption Calculator).
Employee PF is passed through as a Section 80C investment, which only reduces tax under the old regime. The new regime doesn't allow this deduction.
Voluntary Provident Fund top-ups, employer-provided perks (insurance, meal cards, etc.), and any bonus or variable pay component aren't modeled: this assumes a fixed CTC with no variable pay.
PF follows the EPF Act's 12% employer and employee rates, gratuity follows the Payment of Gratuity Act's 15 × Basic ÷ 26 formula, professional tax follows each state's own slabs up to the Article 276(2) constitutional cap of ₹2,500/year, and income tax follows the Income Tax Act's current slabs, including the new regime's Section 87A rebate.
Figures are indicative, not financial or tax advice.
PF, gratuity, and income tax rates last reviewed July 2026 — Basic/HRA/gratuity percentages are common industry convention, not statutory. Professional tax slabs last reviewed July 2026; the ₹2,500/year ceiling is set by Article 276(2) of the Constitution, but each state sets its own actual slab.

Understanding CTC to in hand salary

The concept, the motivation, and what to watch out for.

Your CTC is a cost, not a paycheque

Cost to Company bundles together everything your employer spends on you (including money you never actually see month to month, like its own contribution to your provident fund and a gratuity provision that only pays out if you stay 5+ years). What actually lands in your account is your CTC minus those employer-side costs, minus your own PF contribution, professional tax, and income tax.

This CTC to in hand salary calculator walks through that full chain: from CTC down to Basic, HRA and Special Allowance, then through every deduction, to your real monthly in hand salary.

Employer PF and gratuity never reach your payslip

Both are provisioned out of your CTC every year, but one goes straight to your EPF account and the other only pays out on exit. Neither shows up in your monthly credit.

Your tax regime changes the number materially

The new regime (now the default) skips old-regime deductions like your own PF contribution under Section 80C, but its lower rates and higher rebate often still come out ahead: worth comparing both.

How this CTC to in hand salary calculator helps

Enter your CTC and typical structure. See the full breakdown down to your real monthly in hand salary, under either tax regime.

Did you know?

A few facts behind how CTC breaks down into your in hand salary.

4.81%

Gratuity accrues at a fixed statutory rate

The Payment of Gratuity Act's (15 × Basic ÷ 26) formula works out to a flat 4.81% of annual Basic provisioned every year, regardless of company policy.

₹2,500

Professional tax has a constitutional ceiling

Article 276(2) caps what any state can charge as professional tax at ₹2,500 per person per year, a limit that's stood since the Constitution was adopted.

2023-24

The new tax regime only recently became the default

Until FY 2023-24, the old regime was the default and you had to actively opt into the new one; now it's the reverse, and opting into the old regime requires a declaration.

₹15,000

Many employers cap their own PF contribution

Once Basic crosses ₹15,000/month, a lot of employers cap their own PF contribution at that wage, even though employees can still contribute on their full actual salary.

50%

HRA follows a simple metro rule of thumb

50% of Basic for metro cities (Delhi, Mumbai, Kolkata, Chennai), 40% for everywhere else, a convention, not a statutory requirement.

Frequently asked questions

Straight answers to the questions we hear most about CTC and take-home pay.

Is this the same as a CTC to in hand calculator or a CTC to in hand salary calculator?

Yes to both. "CTC to in hand calculator," "CTC to in hand salary calculator," and "CTC to in hand salary" all describe this same tool — converting your Cost to Company into your real monthly take-home pay.

What's the approximate in hand salary at common CTC levels?

Using this calculator's own default assumptions (40% basic, HRA at 50% of basic, new tax regime): ₹5 LPA works out to about ₹37,065/month in hand, ₹10 LPA to about ₹77,930/month, ₹15 LPA to about ₹1,11,326/month, ₹20 LPA to about ₹1,44,668/month, ₹25 LPA to about ₹1,75,494/month, and ₹30 LPA to about ₹2,03,802/month. Your real Basic/HRA split and deductions will shift these, so use the calculator above with your own numbers for an exact figure.

Why is my in hand salary so much less than my CTC divided by 12?

CTC includes employer-side costs you never receive monthly (the employer's own PF contribution and the gratuity provision), plus your own PF contribution, professional tax, and income tax all come out before you're paid. For a typical salary structure, in hand often runs 20-30% below CTC ÷ 12.

What happens to the employer's PF contribution in this CTC to In Hand Salary Calculator?

It's credited directly to your EPF account (net of the slice diverted to the Employees' Pension Scheme), building a retirement corpus in your name. It isn't lost, just not part of your monthly take-home. See the EPF Calculator to project what that account grows to.

Do I actually receive the gratuity amount every year?

No, gratuity only pays out as a lump sum when you leave the company, and only if you've completed 5+ years of continuous service. The annual figure shown here is just the accrual your employer provisions into your CTC, not a cash payment you receive.

Which tax regime should I pick for this CTC to In Hand Salary Calculator?

The new regime is now the default and usually wins for salaried employees without large deductions to claim, thanks to its higher Section 87A rebate and lower slab rates. The old regime can still win if your Section 80C, HRA exemption, and other deductions add up to a large amount. Use the Income Tax Calculator to compare your exact numbers.

Why does professional tax vary so much by state?

Professional tax is levied by state governments, not the centre, so each state sets its own slabs and due dates. A handful of states (Delhi, Uttar Pradesh, Haryana) don't levy it at all, while most others charge close to the constitutional ceiling of ₹2,500/year.

Are the Basic and HRA percentages fixed by law?

No, unlike PF or gratuity, there's no statutory rule fixing Basic or HRA as a percentage of CTC. Companies set their own salary structures, though 40-50% Basic and 40-50%-of-Basic HRA are common conventions.

Can I trust this CTC to in hand salary calculator for my offer letter?

Use it as a close estimate, not an exact match. Your specific employer's Basic/HRA split, any extra allowances, and their exact PF or gratuity policy can shift the number slightly, so adjust the Basic and HRA sliders to match your real offer letter for the closest possible figure.