How is in-hand salary calculated from CTC?

In-hand salary is your gross salary (Basic + HRA + special allowance) minus deductions such as employee PF (12% of Basic) and professional tax. Employer contributions like employer PF are part of CTC but are not paid to you in cash, so they are removed to reach take-home.

Are my salary details uploaded anywhere?

No. The salary calculation runs entirely in your browser. Nothing you enter is uploaded or stored on any server.

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Salary Calculator — CTC to In-Hand

Enter your annual CTC and I'll break it into a clear monthly take-home salary — Basic, HRA, special allowance, PF and professional tax. Free and fully private.

🔒 Runs privately in your browser — nothing is uploaded

Annual CTC (₹)

Basic (% of CTC)

HRA (% of Basic)

Employer PF (% of Basic)

Professional tax (₹/mo)

Cap PF at the ₹15,000 wage ceiling

Monthly take-home (in-hand) — estimated net salary

Basic—

HRA—

Special allowance—

Gross salary—

− Employee PF—

− Professional tax—

Take-home (in-hand)—

This is an estimate. Actual take-home varies with income tax (old vs new regime), your exact salary structure, gratuity, insurance, bonuses and state professional-tax slabs. Use it as a guide, not a payslip.

How to calculate take-home salary from CTC

Enter your annual CTC (Cost to Company) from your offer letter.
Adjust the Basic (usually 40–50% of CTC) and HRA (40% or 50% of Basic) if your company structures them differently.
Set employer PF and your state professional tax.
Read your estimated monthly and annual in-hand (take-home) salary with a full breakup.

How CTC becomes in-hand salary

Your CTC to in-hand salary gap exists because CTC includes everything the company spends on you — not just what reaches your bank account. Employer PF, gratuity and some benefits are part of CTC but are never paid to you as cash. From the remaining gross salary, deductions like employee PF (12% of Basic) and professional tax are removed to reach your take-home. That is why a ₹12,00,000 CTC rarely means ₹1,00,000 in hand each month.

Typical salary structure in India

Most Indian offer letters set Basic at around 40–50% of CTC, HRA at 40–50% of Basic (50% for metro cities helps with HRA tax exemption), and put the rest into a balancing special allowance. Employer and employee PF are each 12% of Basic, and PF is often capped at the ₹15,000 wage ceiling (₹1,800/month). Professional tax is a small state levy, commonly around ₹200/month.

Frequently asked questions

Does this include income tax (TDS)?

No. Income tax depends on your chosen regime (old vs new), exemptions and investments, so this take-home estimate covers PF and professional tax only. Your net pay after TDS will be a little lower.

Why is my in-hand less than CTC ÷ 12?

Because CTC includes employer PF, gratuity and other benefits that are not paid to you in cash, plus your own deductions. Dividing CTC by 12 overstates take-home — this tool removes those to give a realistic figure.

Are my salary details sent anywhere?

No. Everything is calculated in your browser; nothing you enter is uploaded or stored.