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In-Hand Salary Calculator

Turn your annual CTC into monthly in-hand salary after PF, gratuity, professional tax and income tax, with a full breakup table.

Rules last reviewed: September 2026

Disclaimer: Results are estimates for informational purposes only and are not professional financial, tax or legal advice. Rules change — please verify with official sources or a qualified professional before making decisions.

CTC vs in-hand salary

CTC (Cost to Company) is the total amount your employer spends on you in a year — including items you never see in your bank account, such as the employer's PF contribution and gratuity. In-hand (take-home) salary is what actually reaches you after deductions like employee PF, professional tax and income tax.

How CTC becomes take-home pay

  1. Employer PF — 12% of Basic — is part of CTC but is not paid to you monthly.
  2. Gratuity provision — about 4.81% of Basic — is set aside for when you leave.
  3. The remainder is your gross salary (plus any bonus you receive).
  4. From gross, employee PF (12% of Basic), professional tax and income tax (TDS) are deducted.

Worked example

₹18 lakh CTC, New regime, Maharashtra

Basic (50% of CTC)
₹9,00,000
Employer PF
₹1,08,000
Gratuity provision
₹43,269
Gross salary
₹16,48,731
Income tax + PF + professional tax
₹2,31,202
Monthly in-hand
₹1,18,127

Why your payslip may differ

  • Employers structure pay differently: Basic may be 40% or 50% of CTC, and allowances vary.
  • PF may be capped at a ₹15,000 monthly wage, which raises your take-home.
  • Variable pay and bonuses are usually paid at fixed times; this calculator spreads them across 12 months.
  • Insurance premiums, NPS contributions and other deductions are not included unless you enter them.

Treat the result as a close estimate. Your employer's payslip is the final word.

Ways to increase your take-home

  • Ask whether PF can be calculated on the statutory wage ceiling instead of the full Basic.
  • Compare the New and Old regimes — the better one can add thousands to your yearly pay.
  • Negotiate the fixed-versus-variable split, since variable pay is uncertain but taxed like salary.

Frequently asked questions

Why is my in-hand salary lower than CTC ÷ 12?

CTC includes employer PF, gratuity and sometimes insurance or variable pay, and your take-home is further reduced by employee PF, professional tax and income tax.

Which tax regime should I pick for my salary?

Compare both. Enter your deductions in the income tax calculator; the New regime often gives higher take-home unless you claim large deductions.

What is professional tax?

A small state-level tax on salaried income, capped at ₹2,500 a year. Not every state charges it — Delhi, Uttar Pradesh and Haryana do not.

Is PF part of my take-home?

The money is yours, but it is deposited in your EPF account rather than paid out monthly, so it is not counted in take-home.

Does the calculator include the bonus?

Yes. Enter your annual bonus and say whether it is part of the CTC or paid on top. It is added to your taxable income and spread across the year in the monthly figure.