CTC to In-Hand Salary Calculator

Calculate your monthly in-hand salary from your provided CTC package.

Excluded from monthly gross calculation.

Assumes Basic Salary is 50% of Monthly Gross.

Monthly In-Hand Salary

₹
Monthly Gross Salary ₹
Provident Fund (PF) -₹
Professional Tax -₹
Other Deductions -₹

How to Use CTC Calculator?

  1. Annual CTC: Enter your Cost to Company (CTC) amount as offered by your employer.
  2. Annual Bonus: Enter any variable pay or bonus that is part of the CTC but paid annually/quarterly.
  3. PF Rate: Adjust the Provident Fund rate (default 12%) if needed.
  4. Deductions: Enter Professional Tax (usually ₹200) and any other deductions.
  5. Result: Get an instant breakdown of your estimated Monthly In-Hand Salary.

CTC vs In-Hand

Cost to Company (CTC) is the total amount the company spends on you. In-hand salary is what you actually receive in your bank account after deductions like PF, Tax, and Insurance.

Frequently Asked Questions

CTC stands for Cost to Company. It involves the total salary package the company pays to you, including HRA, DA, PF, Medical Allowance, etc.
This is because of compulsory deductions like Provident Fund (PF), Professional Tax (PT), Income Tax (TDS), and sometimes insurance premiums which are part of CTC but deducted before payout.
No, Professional Tax is a state-level tax. It is applicable in states like Maharashtra, Karnataka, Tamil Nadu, etc., but not in Delhi, Haryana, or UP.

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