Calculate your In-Hand salary from CTC including all deductions
CTC (Cost to Company) is the total company expenditure. Your take-home is lower due to PF (12% of basic), Professional Tax, and TDS deductions.
⚠️ This is an approximate calculation. Actual salary varies by company policy and tax bracket.
Enter the annual Cost to Company as mentioned in your offer letter. CTC includes all benefits the company provides beyond just your take-home salary.
Choose Metro (Delhi, Mumbai, Chennai, Kolkata) or Non-Metro. Metro employees receive 50% of Basic as HRA; Non-Metro employees get 40%.
Enter additional allowances and your Professional Tax (typically ₹200–300/month depending on your state).
View your complete salary breakdown — Basic, HRA, PF deduction, estimated TDS, and actual monthly take-home.
Basic Salary: Typically 40–50% of annual CTC
HRA: Basic × 50% (Metro) | Basic × 40% (Non-Metro)
In-Hand Salary: Basic + HRA + Allowances − PF (12%) − TDS − Professional Tax
CTC is the total annual cost to your employer including PF, gratuity, and insurance. In-Hand (take-home) is what is credited to your bank account monthly — typically 20–30% less than CTC.
12% of your Basic salary is deducted as Employee PF. Your employer also contributes 12%. This accumulates in your EPFO account for retirement or withdrawal.
Under the New Tax Regime: ₹75,000. Under the Old Regime: ₹50,000. This is automatically applied before computing income tax for salaried employees.
No. Professional Tax is a state-level levy applicable in Maharashtra, Karnataka, West Bengal, and a few other states. The maximum is ₹2,500 per year.
Gratuity = (Basic + DA) × 15/26 × Years of Service. You become eligible after completing 5 continuous years with the same employer.