CTC to In-Hand Salary Calculator: Know Your Take-Home Pay
Estimate your in-hand salary from CTC, accounting for PF, professional tax, and income tax. Tailored for salaried employees in India.
Your Salary Breakdown
Monthly In-Hand (₹)
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Annual In-Hand (₹)
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Total Deductions (₹)
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Deduction Breakdown (Annual)
Salary Breakdown
Salary Planning Tips
Review your payslip to verify deductions.
Plan savings with your in-hand salary.
Consult a tax advisor to optimize exemptions.
More Tools to Explore:
Your Guide to CTC to In-Hand Salary
What’s a CTC to In-Hand Calculator?
This tool estimates your take-home salary from CTC by deducting Provident Fund, professional tax, and income tax (new regime, 2025). Tailored for Indian employees.
How In-Hand Salary Is Calculated
Steps used:
Basic Salary:
40% of CTC (or 50% for metro cities)
Provident Fund (PF):
12% of Basic Salary (employee contribution)
Professional Tax (PT):
State-specific (e.g., ₹2,500/year in Maharashtra)
Taxable Income:
CTC - Bonus - PF (Employer + Employee) - PT - Standard Deduction (₹50,000)
Income Tax (New Regime):
Slabs: 0% (≤₹3L), 5% (₹3–7L), 10% (₹7–10L), 15% (₹10–12L), 20% (₹12–15L), 30% (>₹15L)
In-Hand:
CTC - Bonus - PF (Employee) - PT - Income Tax
Our calculator automates this for you!
Understanding Your Results
Your salary breakdown includes:
| Component | Description |
|---|---|
| Monthly In-Hand | Net salary per month (e.g., ₹60,000). |
| Annual In-Hand | Net salary per year (e.g., ₹7,20,000). |
| Total Deductions | Sum of PF, PT, and income tax (e.g., ₹2,80,000). |
Why Use a CTC to In-Hand Calculator?
Plan your finances better:
Know Take-Home
Understand your actual pay.
Budget Smarter
Plan expenses with net salary.
Negotiate Offers
Evaluate job offers accurately.
Key Considerations for In-Hand Salary
Ensure accurate estimates:
Estimates use standard deductions. Actual in-hand may vary due to allowances, exemptions, or company policies.
Bonus is deducted from CTC before calculations, as it’s typically paid separately and taxed differently.
The new regime (2025) is used for simplicity, with no exemptions. Old regime with deductions may yield different results.
Frequently Asked Questions About CTC to In-Hand Salary
Questions about your take-home pay? Here are answers to guide your salary planning:
CTC is the total cost to the employer, including salary, PF, and benefits. In-hand is the net amount you receive after deductions. E.g., ₹10L CTC may yield ~₹7L in-hand.
Employee PF (12% of basic), professional tax (state-specific, e.g., ₹2,500/year in Maharashtra), and income tax (new regime).
Basic salary is estimated as 40% of CTC (50% for metro cities) for PF calculation, as per common industry standards.
Yes! Select your state for accurate professional tax. ‘Other’ uses ₹2,400/year as a standard estimate.
Yes! Calculations are local, with no data stored or shared.