In-hand salary calculator from CTC

Your CTC is what you cost the company, not what reaches your bank. Enter it here and see your take-home pay a month, line by line.

The calculator takes out the employer's PF and gratuity, which sit inside CTC, then your own PF, professional tax and income tax.

How it's calculated

Basic salary is the share of CTC you enter. PF is 12% of basic, paid by you and again by your employer. Many employers stop at the wage ceiling of ₹25,000 a month.
If gratuity is part of your CTC, the yearly provision is 15 days of basic for each year, with a month counted as 26 days.
Gross salary is CTC minus employer PF and gratuity. Income tax is worked out on gross salary with the regime you pick, cess included.
In-hand salary is gross salary minus your PF, professional tax and income tax.

An example

On a ₹12 lakh CTC with half of it as basic, PF on the ceiling and gratuity included, your gross salary is ₹11,35,153.85.

In the new regime the tax is zero, so you take home about ₹91,396 a month. In the old regime, with only PF as a deduction, it drops to about ₹80,431.

Frequently asked questions

Why is my in-hand salary so much lower than my CTC?

CTC counts money you never see each month: your employer's PF, the gratuity provision and sometimes insurance or a variable bonus. Your own PF and tax come off after that.

What is the PF wage ceiling?

It is the monthly wage up to which provident fund is compulsory. Since 17 September 2026 it is ₹25,000. Your employer can still work out PF on your full basic.

Is professional tax charged everywhere in India?

No. Each state decides it and some do not charge it. Your payslip shows the amount. In the old regime it is deducted from taxable salary.

Does variable pay count?

Only if you include it in the CTC you enter. If your bonus depends on performance, leave it out to see your fixed monthly pay.

Key terms

CTC: Cost to company: everything the employer spends on you in a year.
In-hand salary: What reaches your bank account each month.
EPF: Employees' Provident Fund, a retirement fund both you and your employer pay into.
TDS: Tax deducted at source: income tax your employer takes from your salary every month.