CTC to In-Hand Salary Calculator
Estimate your monthly in-hand take-home salary from your annual Cost to Company (CTC) after PF, Professional Tax, and Income Tax deductions.
Your total annual CTC package.
Variable performance bonus which is not paid in monthly cycles.
CTC Cost Breakdown Graph
Salary & Deduction Breakdown
| Salary Components | Annual Amount | Monthly Amount |
|---|---|---|
| Basic Salary (50%) | ₹5,40,000 | ₹45,000 |
| House Rent Allowance (HRA) | ₹2,70,000 | ₹22,500 |
| Other Allowances & Perks | ₹2,05,200 | ₹17,100 |
| Provident Fund (PF Employee) | - ₹64,800 | - ₹5,400 |
| Professional Tax (PT) | - ₹2,400 | - ₹200 |
| Income Tax (FY 2025-26 New Regime) | - ₹0 | - ₹0 |
| Net Take-Home Salary | ₹9,48,000 | ₹79,000 |
Calculation Disclaimer
This calculation assumes New Regime tax slabs (which standardizes deductions to ₹75,000 and has no rebate for taxable income exceeding ₹12 Lakhs). Actual salary components might vary depending on your employer policy.Grow Your Business Online
Frequently Asked Questions
What is CTC (Cost to Company)?
CTC represents the total amount of money an employer spends on hiring and maintaining an employee for a year. It includes direct salary components (basic, HRA, allowances), indirect benefits (meals, cabs, medical insurance), and statutory contributions (Employer's EPF, Gratuity).
Why is in-hand salary lower than CTC?
In-hand salary is lower than CTC because CTC contains components like employer contributions to PF, insurance premiums, gratuity, and variable performance payouts that are not paid monthly. Additionally, standard taxes (Income Tax/TDS and Professional Tax) are deducted before you receive cash.
How is Basic Salary calculated?
In standard Indian salary structures, Basic Salary is usually set at 40% to 50% of the fixed portion of CTC. HRA is then calculated as 40% (non-metro) or 50% (metro cities) of the Basic Salary. The rest of the CTC is distributed among other allowances (LTA, special, medical, etc.).
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