What is CTC to In-Hand Salary?
The CTC to In-Hand Salary Calculator converts your Cost to Company (CTC) into actual monthly take-home pay. CTC includes employer PF, gratuity, bonus, insurance, and other benefits — your in-hand salary is significantly less.
Typically, in-hand salary is 65-80% of CTC depending on tax bracket and PF contribution.
Formula
CTC = Fixed Pay + Variable Pay + Benefits Fixed Pay = Basic (50%) + HRA (40% of Basic) + Special Allowance Deductions = Employee PF + Professional Tax + Income Tax In-Hand = (CTC − Bonus − Employer PF × 12) / 12 − Employee PF − PT − Tax Professional Tax: ₹200/month (most states) Max PF contribution: ₹1,800/month (on ₹15,000 basic)
How to use this CTC to In-Hand Salary?
1. Enter your annual CTC. 2. Set variable/bonus percentage. 3. Choose PF contribution rate. 4. Enter state professional tax. 5. Select tax regime. 6. See monthly in-hand salary.