💰 In-Hand Salary Calculator

CTC to Monthly Take-Home Calculator

Enter your annual CTC and get your exact monthly in-hand salary after all deductions — PF, HRA, Professional Tax.


Your Monthly In-Hand Salary
₹0

Monthly Salary Breakdown

💡 Note: This calculation uses standard Indian payroll structure. Actual figures may vary based on your company's specific salary structure, income tax slab and variable pay components.

How Indian Salary Structure Works

Your CTC (Cost to Company) is NOT what you take home. Understanding the difference between CTC, Gross Salary and Net/In-Hand Salary is essential for salary negotiations.

📊 Basic Salary
Usually 40-50% of CTC. PF is calculated on basic. Higher basic = more PF deducted but also more gratuity and leave encashment.
🏠 HRA
House Rent Allowance — 50% of basic in metros, 40% in non-metros. Tax-exempt up to actual rent paid minus 10% of basic.
🔒 Employee PF
12% of basic salary (capped at ₹1,800/month if basic exceeds ₹15,000). Goes to your PF account — not lost, but not in your hands monthly.
💼 Special Allowance
The remaining amount after basic, HRA and other fixed allowances. Fully taxable but fully in-hand — no further deductions.

Salary FAQs

Why is my in-hand much less than my CTC?

CTC includes costs the employer bears on your behalf — Employer PF (12% of basic), Gratuity (4.81% of basic), health insurance premium, and other benefits. These never appear in your bank account but are part of your CTC.

How can I maximize my in-hand salary?

Ask for higher special allowance and lower basic (reduces PF deduction). Claim all eligible tax exemptions — HRA, LTA, food coupons. Opt for National Pension Scheme (NPS) Section 80CCD(1B) for additional ₹50,000 deduction.

Is PF deduction mandatory?

Yes — if your basic salary is ₹15,000 or below, PF is mandatory. If basic exceeds ₹15,000, you can opt out of PF at the time of joining (some companies allow this for new employees).