Convert your CTC to monthly in-hand salary — calculate take-home pay after PF, gratuity, and professional tax deductions.
The CTC to In-Hand Salary Calculator helps you estimate your actual monthly take-home salary from your Cost to Company (CTC) figure. In India, the CTC quoted by employers includes many components that are not directly paid to you — employer's PF contribution, gratuity, and various allowances are all part of CTC but don't show up in your bank account.
This calculator breaks down your CTC into its components and estimates your monthly in-hand (net) salary after all statutory deductions.
Understanding CTC Structure
A typical Indian CTC has: Basic Salary (40% of CTC), HRA (50% of basic for metro cities, 40% for non-metro), Employer PF (12% of basic), Gratuity (4.81% of basic), and other allowances. Your in-hand salary = Gross Salary - Employee PF - Professional Tax.
Important Note
This is an estimate based on typical CTC structures. Actual take-home varies by company policy, your tax slab (income tax deducted via TDS), HRA exemption claims, and other factors. The calculator does not account for income tax deductions, which significantly affect higher CTCs.
1. Enter CTC: Your total Cost to Company as offered by the employer.
2. PF Opt-Out: If you have opted out of PF (allowed for salaries above ₹15,000/month), select "Yes" for higher in-hand.
3. HRA City: Metro (Delhi, Mumbai, Chennai, Kolkata) or Non-Metro affects HRA component.
4. View Results: See your estimated monthly and annual take-home salary.
Basic = CTC × 40%
Employer PF = Basic × 12% (if PF not opted out)
Gratuity = Basic × 4.81%
Gross Salary = CTC − Employer PF − Gratuity
Employee PF = Basic × 12% (if not opted out)
Professional Tax = ₹2,400/year (approximate, varies by state)
Annual In-Hand = Gross Salary − Employee PF − Professional Tax
Monthly In-Hand = Annual In-Hand ÷ 12
Note: Income tax (TDS) is not included — add 10-30% additional deduction for higher CTCs.
Example: CTC = ₹12,00,000/year, Non-Metro, PF not opted out
Basic = ₹4,80,000
Employer PF = ₹57,600 | Gratuity = ₹23,088
Gross = ₹12,00,000 − ₹57,600 − ₹23,088 = ₹11,19,312
Employee PF = ₹57,600 | Professional Tax = ₹2,400
Annual In-Hand = ₹11,19,312 − ₹57,600 − ₹2,400 = ₹10,59,312
Monthly In-Hand ≈ ₹88,276 (before income tax)