Salary / CTC to In-Hand Calculator
Frequently Asked Questions
How is in-hand salary calculated from CTC?
In-hand salary = CTC − Employer PF contribution − Gratuity provision − Employee PF deduction − Professional Tax − Income Tax (TDS). This calculator covers everything except income tax, which depends on your tax regime and deductions.
What is a typical Basic salary percentage?
Most Indian companies structure Basic at 40–50% of CTC, since a higher Basic increases statutory PF and gratuity contributions (which reduce take-home pay) but also increases retirement savings.
Why isn't income tax included in this calculator?
Income tax depends on your tax regime (old vs new), deductions claimed, and other income — it needs its own dedicated calculation. Use the Income Tax Calculator on this site to estimate your TDS, then subtract it from the monthly figure shown here.
Is employer PF part of my take-home pay?
No. Employer PF is part of your CTC but is deposited directly into your EPF account — it is not paid to you as salary and is excluded from take-home pay, though it does build your retirement corpus.