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In-Hand Salary Calculator

This in-hand salary calculator converts your CTC into the actual monthly amount likely to be credited to your bank — after employer and employee PF, state-wise professional tax, gratuity and income tax under FY 2026-27 rules. Fully in-browser, with an editable assumptions panel so you can match your own offer letter, because CTC structures genuinely differ between employers.

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Monthly in-hand

{{ inr(result.monthly.net) }}

Monthly Annual
Gross pay {{ inr(result.monthly.gross) }} {{ inr(result.annual.gross) }}
− Employee PF {{ inr(result.monthly.employeePf) }} {{ inr(result.annual.employeePf) }}
− Professional tax {{ inr(result.monthly.professionalTax) }} {{ inr(result.annual.professionalTax) }}
− Income tax {{ inr(result.monthly.incomeTax) }} {{ inr(result.annual.incomeTax) }}
= Net in-hand {{ inr(result.monthly.net) }} {{ inr(result.annual.net) }}

This is an estimate built on the assumptions above — your actual payslip depends on how your employer structures allowances, PF and gratuity. Salaried income only; verify against your offer letter and Form 16.

How to use this tool

  1. Enter your annual CTC and state

    State drives the professional tax figure, which varies from ₹0 to about ₹200–208/month depending on where you are employed.

  2. Fine-tune the assumptions if you know your structure

    Basic % of CTC, whether employer PF sits inside your CTC, PF wage capping, gratuity and tax regime all affect the result — the accordion lets you match your actual offer letter.

  3. Read your monthly in-hand with the full breakup

    Gross pay, each deduction and the final net in-hand update instantly as you change any input.

Questions people ask

How is in-hand salary calculated from CTC?

In-hand = CTC − employer PF (if included in CTC) − gratuity (if included in CTC) − employee PF − professional tax − income tax. This tool itemises each deduction monthly and annually so you can see exactly where the gap between CTC and take-home comes from.

Why is in-hand salary so much less than CTC?

CTC (Cost to Company) includes employer costs that never reach your bank account — the employer's own PF contribution, and sometimes gratuity or insurance premiums — on top of the deductions taken from your own pay. The gap between CTC and in-hand is commonly 20–30% for a typical salaried structure.

Is employer PF part of CTC?

Usually yes for private-sector offers in India — most companies fold the employer's 12% PF contribution into the CTC figure they quote, which inflates the headline number relative to what you actually take home. Toggle the 'employer PF in CTC' assumption on this tool to match your specific offer letter.

How much professional tax will I pay?

It depends entirely on your state — commonly around ₹200–208/month in Maharashtra, Karnataka, West Bengal, Telangana, Tamil Nadu and Madhya Pradesh, but nil in Delhi, Uttar Pradesh, Haryana and Rajasthan. Selecting your state on this calculator applies the right figure automatically.

Is gratuity deducted from CTC?

Many companies show roughly 4.81% of basic pay as a gratuity component inside CTC, even though it is only payable after 5 years of continuous service and only if you actually stay that long — turn the "gratuity in CTC" toggle on if your offer letter lists it as a component.

What is the in-hand salary for a 12 LPA CTC?

With this calculator's default assumptions (50% basic, Karnataka, PF capped, no gratuity in CTC, new regime), a ₹12 lakh CTC works out to roughly ₹95,000–₹96,000 a month in hand — but your actual figure depends on your state, basic percentage and how your employer structures PF and gratuity, which is exactly why the assumptions panel is editable.

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