Salary / In-Hand Calculator
Break down your CTC into take-home pay after PF, professional tax and estimated income tax.
About the Salary / In-Hand Calculator
Cost to Company (CTC) is what your employer spends on you — not what lands in your bank. Employer PF, gratuity and insurance sit inside CTC but never reach your monthly payslip, while employee PF, professional tax and income tax are deducted from what does.
This calculator strips employer PF out of CTC, deducts employee PF, professional tax and estimated new-regime income tax, and shows your likely monthly in-hand amount.
Frequently asked questions
Why is my in-hand so much lower than CTC?
CTC includes employer-side costs (PF, gratuity, insurance) and variable pay that never appear in your monthly credit, plus taxes and deductions come off the rest.
Does a higher basic salary help or hurt?
Higher basic raises PF savings and gratuity but also raises taxable income; lower basic boosts in-hand today at the cost of retirement savings.