CTC (Cost to Company) is what your employer spends on you — not what reaches your bank. This calculator strips out employer-side costs, deducts PF, professional tax and estimated income tax, and shows your real monthly in-hand salary.
About the Salary / In-Hand Calculator
On a ₹12 lakh CTC, a typical employee receives around ₹80,000–85,000 per month in-hand. The gap is filled by employer PF, employee PF, income tax, professional tax, and sometimes medical insurance or gratuity provisions built into the CTC.
Formula used:
Frequently Asked Questions
Why is my in-hand so much lower than CTC?
CTC includes employer-side costs (PF, gratuity, insurance) that never appear in your monthly credit, plus income tax, employee PF and professional tax are deducted from the gross.
Does a higher basic salary help or hurt?
Higher basic increases PF savings and gratuity but raises taxable income. Lower basic boosts in-hand today at the cost of retirement savings.