What percentage of CTC is typically in-hand?

Typically 65-75% of CTC is your in-hand salary. The rest goes toward employer PF, gratuity, insurance, and income tax. Higher CTCs have lower in-hand percentages due to higher tax brackets.

What is the difference between CTC and gross salary?

CTC includes everything: gross salary + employer PF + gratuity + insurance + other benefits. Gross salary is CTC minus employer-side contributions. Net/in-hand salary is gross minus employee deductions and tax.

How is Basic Salary calculated?

Basic salary is typically 40-50% of CTC. A higher basic means more PF contribution (good for retirement) but also higher tax. Many companies keep basic at 40% to optimize the tax structure.

Which tax regime should I choose?

The New Tax Regime (FY 2024-25) has lower rates but fewer deductions. Choose New if you don't have significant investments under 80C, HRA claims, or home loan interest. Use Old if your total deductions exceed ₹3-4 lakh.

EPF is mandatory for organizations with 20+ employees for salaries where Basic + DA ≤ ₹15,000/month. Many companies extend PF to all employees. Employee and employer each contribute 12% of Basic.

CTC to In-Hand Salary Calculator

Your offer letter says ₹10 LPA — find out what actually lands in your bank account.

Annual CTC₹10,00,000

Basic Salary (% of CTC)40%

HRA (% of Basic)50%

City Type

PF Contribution

Tax Regime

Monthly In-Hand Salary

₹55,903

₹6,70,831/year (67% of CTC)

CTC

₹10,00,000

Gross Salary

₹7,21,231

Deductions

₹50,400

Tax (est.)

₹0

Complete Salary Breakdown

Component	Monthly	Annual
Basic Salary	₹33,333	₹4,00,000
HRA	₹16,667	₹2,00,000
Special Allowance	₹10,103	₹1,21,231
(employer)Employer PF	₹4,000	₹48,000
(employer)Gratuity	₹19,231	₹2,30,769
−Employee PF	₹4,000	₹48,000
−Professional Tax	₹200	₹2,400
−Income Tax (est.)	₹0	₹0
In-Hand Salary	₹55,903	₹6,70,831

CTC Breakdown

In-Hand 67%Deductions 5%Employer Costs 28%

* This calculator provides approximate estimates. Actual in-hand salary depends on company salary structure, applicable tax regime, investments under Section 80C/80D, and other deductions. Consult your HR or a CA for exact figures.

CTC to In-Hand Salary Calculator का उपयोग कैसे करें

1
Enter your annual CTC amount.
2
Set Basic Salary percentage (typically 40% of CTC).
3
Choose Metro or Non-Metro city for HRA calculation.
4
Select PF contribution type: capped at ₹1,800/month or 12% of full Basic.
5
Choose Old or New Tax Regime.
6
View your complete salary breakdown: monthly and annual.
7
See your estimated monthly in-hand salary after all deductions.

CTC to In-Hand Salary Calculator के बारे में

You got a job offer for ₹12 LPA and you're already planning that new apartment. Then month one hits and you see ₹72,000 in your account instead of ₹1,00,000. What happened? PF, gratuity, professional tax, income tax — the gap between CTC and in-hand salary catches everyone off guard. This CTC to in-hand calculator shows you the real number before you accept or decline.

Where your CTC actually goes

CTC isn't your salary — it's everything the company spends on you. That includes their PF contribution (12% of Basic), gratuity (4.81% of Basic), and sometimes insurance premiums. These are real benefits, but they don't hit your bank account. What's left after the company takes its share is your gross salary. Then your deductions kick in — employee PF, professional tax, and income tax — and what survives is your in-hand salary. Typically that's 65-75% of CTC.

Things you can toggle

Basic Salary %: Usually 40% of CTC. Higher basic = more PF (good for retirement, bad for take-home)
Metro vs. Non-Metro: HRA is 50% of Basic in metros (Delhi, Mumbai, etc.), 40% elsewhere
PF cap: Some companies cap PF at ₹1,800/month. Others contribute 12% of full Basic. Big difference
Old vs. New Tax Regime: New regime has lower rates but fewer deductions. The calculator shows estimated tax under your chosen regime

The full breakdown table shows every component — monthly and annual — so you can match it against your actual payslip or compare two offers side by side. Useful for job switches, salary negotiations, or just understanding where your money goes.