In-Hand Salary Calculator
See your monthly take-home pay from your annual CTC. Enter your CTC and we estimate the in-hand salary after employer PF and gratuity, employee PF, professional tax and income tax.
Enter your annual CTC to see your in-hand salary.
Monthly in-hand salary
₹0
| Annual CTC | ₹0 |
| Employer PF | ₹0 |
| Gratuity | ₹0 |
| Gross salary | ₹0 |
| Employee PF | ₹0 |
| Professional tax | ₹0 |
| Income tax | ₹0 |
| Annual in-hand | ₹0 |
How in-hand salary is calculated
The number on your offer letter — the CTC, or Cost to Company — is rarely the amount that lands in your bank account. CTC is everything the company spends on you in a year, including contributions it makes on your behalf that you never directly receive as monthly cash. Your in-hand salary is what is left after those employer contributions are set aside and your own statutory deductions are taken out.
The first step is to strip out the employer's contributions. The biggest are the employer's share of Provident Fund — 12% of your Basic pay — and gratuity, roughly 4.81% of Basic. Subtracting these from CTC gives your gross salary, the figure your monthly pay is actually built from.
From the gross, three deductions bring you to take-home. Your own employee PF (another 12% of Basic) goes into your retirement account, professional tax — a small state levy, often around ₹200 a month — is withheld, and income tax (TDS) is deducted based on your tax slab. Because both PF contributions are tied to Basic, a higher Basic percentage increases your retirement savings but lowers your monthly cash; a lower Basic does the opposite.
Income tax is the part that depends most on your choices — your regime, deductions and investments. This calculator keeps it as a field you fill in so you stay in control: work out your tax with our Income Tax calculator and paste the annual figure here for an accurate take-home. Leave it blank to see your in-hand before tax.
Use this tool to compare offers on a like-for-like basis, since two identical CTCs can yield very different take-home pay depending on the Basic split and tax. The result is an estimate — your actual payslip may differ slightly due to allowances, reimbursements and your employer's exact PF policy.
Frequently asked questions
What is the difference between CTC and in-hand salary?
CTC (Cost to Company) is the total a company spends on you, including its own contributions like employer PF and gratuity. In-hand (take-home) salary is what reaches your bank account after employee PF, professional tax and income tax are deducted, and is always lower than CTC.
How is in-hand salary calculated from CTC?
First subtract the employer's contributions (employer PF and gratuity) from CTC to get the gross salary. Then subtract your own deductions — employee PF, professional tax and income tax — to arrive at the in-hand salary.
How much PF is deducted from salary?
Provident Fund is 12% of your Basic salary on both the employee and employer sides. The employee's 12% is deducted from your salary, while the employer's 12% sits inside your CTC. A higher Basic therefore means more PF and a lower take-home.
What is professional tax?
Professional tax is a small state-level tax on salaried income, commonly up to ₹2,500 a year (often around ₹200 a month). It varies by state, and a few states do not levy it at all.
How do I find my income tax for this calculator?
Use our Income Tax calculator to work out your annual tax under the old or new regime, then enter that figure here to get an accurate in-hand number. Leaving it blank shows your take-home before income tax.
This calculator is for general information only and is not financial advice. Your actual payslip depends on your company's salary structure, allowances and PF policy. Figures here are estimates.