In-Hand Salary Calculator
Convert your CTC into monthly take-home pay after PF, gratuity, professional tax and income tax.
About the In-Hand Salary Calculator
CTC includes items you don't receive monthly: the employer's PF contribution (12% of basic, often on a ₹15,000 wage ceiling) and a gratuity provision (4.81% of basic). From gross salary, your own 12% PF, professional tax and TDS are deducted. Under the labour codes, basic + DA should be at least 50% of pay.
The formula
In-hand = CTC − employer PF − gratuity − employee PF − professional tax − income tax
Worked example
Example: Monthly in-hand = ₹1,01,651
- Inputs: Annual CTC: ₹13,00,000; Basic as % of CTC: 55%; Employee PF: 12% of ₹15,000; Professional tax (yearly): ₹2,600; Tax regime: New; Old-regime deductions (apart from employee PF): ₹0.
- Formula: In-hand = CTC − employer PF − gratuity − employee PF − professional tax − income tax
- Result: Monthly in-hand = ₹1,01,651
Things to keep in mind
- Assumes no variable pay, meal cards or other components.
Questions people ask
Why is my in-hand so much lower than CTC?
PF, gratuity and taxes; variable pay is also often included in CTC.
Does a higher basic reduce take-home?
It raises PF and gratuity, which are savings, so monthly cash falls slightly.