Estimated monthly in-hand salary
₹90,200
About 90.2% of your CTC reaches you as cash.
CTC to In-Hand Salary Calculator
Turn an annual CTC figure into an estimated gross salary, total deductions and monthly take-home pay.
Under 45 seconds
Updated 8 Sept 2026
Results dashboard
Estimated annual in-hand salary
₹10,82,400
Gross salary less all deductions entered.
Estimated gross salary
₹11,42,400
CTC minus the employer's PF contribution.
Total annual deductions
₹60,000
Employee PF, professional tax, income tax and other deductions.
Monthly basic salary
₹40,000
PF and gratuity are usually calculated on this figure.
Employer PF (annual)
₹57,600
Credited to your PF account, not to your bank account.
A CTC to in-hand salary calculator removes the employer's own costs — mainly employer PF — from your annual CTC to arrive at gross salary, then subtracts employee PF, professional tax, income tax and any other deductions to estimate monthly take-home pay. Your actual salary depends on your employer's salary structure and the tax rules that apply to you.
Visual breakdown
A visual view of your calculation.
Interactive charts arrive here soon.
Annual and monthly view
The same estimate shown per year and per month.
| Component | Annual | Monthly |
|---|---|---|
| Cost to company (CTC) | ₹12,00,000 | ₹1,00,000 |
| Less: employer PF | ₹57,600 | ₹4,800 |
| Estimated gross salary | ₹11,42,400 | ₹95,200 |
| Less: employee PF | ₹57,600 | ₹4,800 |
| Less: professional tax | ₹2,400 | ₹200 |
| Less: other deductions | ₹0 | ₹0 |
| Less: income tax | ₹0 | ₹0 |
| Estimated in-hand salary | ₹10,82,400 | ₹90,200 |
Smart Insights
Generated from the numbers you entered — no guesswork.
- Of your ₹12,00,000 CTC, roughly ₹10,82,400 is estimated to reach you as cash over the year.
- ₹1,15,200 a year goes into your PF account — money you keep, just not as monthly cash.
- No income tax has been entered. Estimate it in the income tax calculator and enter the annual figure for a closer take-home number.
- A higher basic salary raises PF and gratuity but reduces monthly cash — two structures with the same CTC can pay differently.
What is the CTC to In-Hand Salary Calculator?
What the tool does, who it is for and what it cannot tell you.
CTC is what your employment costs the company, not what you are paid. It bundles your salary with contributions and provisions that either go into a separate account, such as provident fund, or are only paid later. That is why an offer letter figure rarely matches the amount credited to your bank on payday.
This calculator makes the gap explicit. It removes the employer's PF contribution from CTC to give gross salary, then subtracts the deductions that reduce cash pay: your own PF, professional tax, income tax and anything else your payslip recovers.
It is a structure calculator, not a payroll system. Enter the components from your own salary breakup and it will show the arithmetic clearly; your employer's payslip is always the authoritative figure.
How does the CTC to In-Hand Salary Calculator work?
Each step the calculator runs, in plain language.
- 1
Split CTC into basic and the rest
The basic percentage you enter fixes annual basic salary, which is the base for both provident fund contributions.
- 2
Remove the employer's own cost
Employer PF is deducted from CTC because it is credited to your PF account rather than paid as salary. What remains is estimated gross salary.
- 3
Subtract salary deductions
Employee PF, professional tax, income tax and any other recoveries are taken off gross salary.
- 4
Convert to a monthly figure
The annual result is divided by twelve. Real payslips vary month to month because TDS and variable pay are not spread evenly.
What to enter in each field
The exact figure each input expects, so the result means what you think it means.
- Annual CTC
- The single total in your offer letter or appraisal letter, before any deduction.
- Basic salary percentage
- Read it from your salary breakup if you have one. It matters because both PF contributions and gratuity are calculated on basic.
- Employee and employer PF
- Usually 12% of basic each. Some employers cap PF on a statutory wage limit instead, which lowers both figures.
- Professional tax
- A state levy. Enter the monthly amount shown on your payslip, or zero if your state does not levy it.
- Estimated annual income tax
- Calculate it in the income tax calculator under the regime you have chosen, then enter the annual figure here so monthly pay reflects TDS.
CTC to In-Hand Salary Calculator formula
The exact maths behind every number on this page.
Gross salary = CTC − employer PF; In-hand = Gross − employee PF − professional tax − income tax − other deductions
- CTC
- Total annual cost to company from your offer letter
- Employer PF
- Employer's PF contribution, typically 12% of basic
- Employee PF
- Your own PF contribution, typically 12% of basic
- Professional tax
- State levy on salaried income, where applicable
Employer PF is part of CTC but is credited to your PF account, so it is excluded from gross salary. Basic salary drives both PF figures.
CTC to In-Hand Salary Calculator calculation example
₹12,00,000 CTC with basic at 40%, PF at 12% each side and ₹200 professional tax.
- 1Annual basic40% of ₹12,00,000 = ₹4,80,000
- 2Employer PF12% of ₹4,80,000 = ₹57,600
- 3Gross salary₹12,00,000 − ₹57,600 = ₹11,42,400
- 4Employee PF + professional tax₹57,600 + ₹2,400 = ₹60,000
Before income tax, the estimated in-hand salary is about ₹10,82,400 a year, or roughly ₹90,200 a month.
Important assumptions
What this calculation includes, and what it leaves out.
- Employer PF is treated as part of CTC and excluded from gross salary. If your offer states CTC excluding employer PF, reduce the employer PF percentage to zero.
- PF is calculated on the basic salary percentage you enter, with no statutory wage ceiling applied. Employers who cap PF on a wage limit will show lower contributions.
- Income tax is whatever annual figure you enter — the calculator does not compute tax, apply a regime, or model exemptions such as HRA or standard deduction.
- Gratuity provision, bonus, variable pay, insurance premiums paid by the employer and reimbursements are not modelled separately; include them in CTC and in other deductions as your structure requires.
- The annual estimate is divided evenly by twelve. Actual monthly credits vary with TDS timing, joining month and variable payouts.
Benefits
Why people use this calculator before signing a loan.
Compare two offers honestly
Two offers with the same CTC can differ in take-home pay because of how basic salary and benefits are structured.
See what PF is really doing
Both PF contributions are shown separately, so you can tell forced savings apart from actual tax.
Budget with a realistic number
Plan rent and EMIs against estimated monthly cash pay rather than the CTC headline.
Financial tips
Practical guidance to act on your result.
- Ask for the detailed salary breakup, not just the CTC figure, before accepting an offer.
- A lower basic percentage increases monthly cash but reduces PF savings and gratuity.
- Estimate income tax separately and re-enter it here — it is usually the largest single deduction at higher salaries.
- Check whether variable pay is inside the CTC figure; if it is, monthly cash will be lower than this estimate suggests.
Frequently asked questions
Short, direct answers to the questions we hear most.
Read the thinking behind it
Guides that explain how to use this calculation in a real decision.
Taxes • 7 min read
New vs old tax regime: a decision checklist
Deductions, slabs and break-even levels explained without the jargon — then compared on your own numbers.
Read guideSalary • 5 min read
How HRA exemption is actually calculated
The least-of-three test, metro rules, and why paying more rent does not always increase your exemption.
Read guideRelated calculators
Keep planning with tools that pair well with this one.
Income Tax Calculator
Estimate your tax under the old and new regimes instantly.
HRA Calculator
Estimate exempt and taxable HRA from rent and salary details.
EPF Calculator
Project your provident fund corpus from monthly contributions.
Gratuity Calculator
Estimate gratuity from salary and years of service.
TDS Calculator
Estimate tax deducted at source on a payment.
Disclaimer
CalPaisa calculators are for general information and planning only. Results are estimates based on the values you enter and standard formulas, and may differ from the figures your bank, employer, or tax authority applies. Nothing here is investment, tax, or legal advice. Please confirm important decisions with a qualified professional. Read our financial disclaimer, learn how CalPaisa works, or tell us about a calculation you think is wrong.