CTC to In-Hand Salary Calculator India
✓ CTC to In-Hand - Complete salary breakdown
✓ Gross to Net - Quick net salary calculation
✓ Components - Custom salary components
✓ Compare Offers - Compare 2 job packages
Calculate your exact in-hand salary from CTC (India 2025)
Typically 40-60% of CTC
Monthly Take-Home Salary
₹90,795
Annual: ₹10,89,540
CTC
₹12,00,000
Gross
₹11,78,400
Deductions
₹88,860
Tax
₹64,760
📋 Salary Components (Annual)
| Basic Salary | ₹6,00,000 |
| HRA | ₹3,00,000 |
| Special Allowance | ₹2,78,400 |
| Gross Salary | ₹11,78,400 |
💸 Deductions (Annual)
| Employee PF (12%) | -₹21,600 |
| Professional Tax | -₹2,500 |
| Income Tax | -₹64,760 |
| Total Deductions | -₹88,860 |
Monthly Gross
₹98,200
Monthly Deductions
-₹7,405
Monthly In-Hand
₹90,795
💡 Calculation Notes:
Take-home salary (also called In-Hand Salary or Net Salary) is the actual amount you receive in your bank account after all deductions from your CTC (Cost to Company). It's your salary minus PF, income tax, professional tax, and other deductions.
Our calculator provides accurate CTC to in-hand conversion including employee PF (12%), income tax (New & Old regime), professional tax (state-wise), standard deduction (₹75,000 new/₹50,000 old), and complete salary breakup with monthly/annual breakdown.
Step 1: Gross Salary = CTC - Employer PF - Bonus
Step 2: Taxable Income = Gross - Standard Deduction - Employee PF
Step 3: Income Tax = Calculate from tax slabs
Step 4: Total Deductions = Employee PF + Income Tax + Professional Tax
Step 5: Take-Home = Gross Salary - Total Deductions
Given:
• Annual CTC: ₹12,00,000
• Basic (50%): ₹6,00,000
• HRA (50% of basic): ₹3,00,000
• Special Allowance: ₹2,22,000
• Employer PF: ₹21,600
Calculation:
Gross = ₹12,00,000 - ₹21,600 = ₹11,78,400
Employee PF (12% of ₹15K × 12) = ₹21,600
Taxable = ₹11,78,400 - ₹75,000 - ₹21,600 = ₹10,81,800
Income Tax (New Regime) = ₹81,734
Professional Tax (MH) = ₹2,500
Result:
Total Deductions = ₹21,600 + ₹81,734 + ₹2,500 = ₹1,05,834
Take-Home = ₹10,72,566/year
Monthly = ₹89,381
| Deduction Type | Rate/Amount | Calculation Basis | Notes |
|---|---|---|---|
| Employee PF | 12% | Basic Salary (max ₹15,000/month) | Mandatory for most employees |
| Employer PF | 12% | Basic Salary (max ₹15,000/month) | Not deducted from salary (part of CTC) |
| Professional Tax | ₹200-2,500/year | State-specific | Varies by state (MH: ₹2,500) |
| Income Tax | 0-30% | Taxable income (slab-wise) | New regime: 0-30%, Old: 0-30% |
| Standard Deduction | ₹50,000-75,000 | Fixed (not deducted from salary) | New: ₹75K, Old: ₹50K |
| Annual CTC | Gross Salary | Total Deductions | Annual Take-Home | Monthly In-Hand |
|---|---|---|---|---|
| ₹6.0L | ₹5,78,400 | -₹24,900 | ₹5,53,500 | ₹46,125 |
| ₹9.0L | ₹8,67,600 | -₹54,734 | ₹8,12,866 | ₹67,739 |
| ₹12.0L | ₹11,56,800 | -₹1,05,834 | ₹10,50,966 | ₹87,581 |
| ₹18.0L | ₹17,35,200 | -₹2,31,834 | ₹15,03,366 | ₹1,25,281 |
| ₹24.0L | ₹23,13,600 | -₹4,17,834 | ₹18,95,766 | ₹1,57,981 |
💡 Note: These are approximate values using New Tax Regime, 50% basic, metro city HRA, and Maharashtra PT. Actual in-hand may vary based on your specific salary structure.
💡 Example: ₹12L CTC = ~₹89K monthly in-hand (approx 74% of CTC)
It depends on your deductions and investments:
✅ Choose New Regime If:
✅ Choose Old Regime If:
Employee Contribution:
12% of Basic Salary (capped at ₹15,000/month)
Max deduction: ₹1,800/month or ₹21,600/year
Employer Contribution:
12% of Basic (same cap, but NOT deducted from your salary)
Example:
If Basic = ₹50,000/month (above ceiling)
Employee PF = 12% of ₹15,000 = ₹1,800/month
Employer PF = ₹1,800/month (added to CTC, not your in-hand)
Multiple deductions reduce your CTC to in-hand:
1. Employer PF (not in gross)
Reduces CTC by ~2-3%
2. Employee PF (deducted)
Reduces by ~2-3%
3. Income Tax (largest impact)
Can be 5-25% depending on salary
4. Professional Tax
₹200-2,500/year (state-wise)
5. Bonus (if part of CTC)
Not part of monthly in-hand
💰 Typical in-hand is 70-90% of CTC for most salary ranges
Our Take-Home Salary Calculator (also known as In-Hand Salary Calculator or CTC to Net Salary Calculator) is the most accurate and comprehensive free tool for calculating your actual monthly salary after all deductions in India. Whether you're evaluating a job offer, planning your budget, or comparing multiple opportunities, this calculator provides instant, precise calculations of your in-hand salary.
The calculator features 4 powerful modes: CTC to In-Hand (complete breakdown from annual package including basic, HRA, special allowance, employer/employee PF, income tax, and professional tax), Gross to Net (quick conversion from gross salary to take-home with automatic component distribution), Custom Components (enter your own salary breakdown with basic, HRA, special allowance, and other components), and Job Offer Comparison (compare two CTC packages side-by-side to see which offers better in-hand salary).
Perfect for all professionals in India, the calculator supports both New Tax Regime (with ₹75,000 standard deduction and simplified slabs) and Old Tax Regime (with ₹50,000 standard deduction and traditional deductions). It includes state-wise Professional Tax (Maharashtra ₹2,500, Karnataka ₹2,400, etc.), metro vs non-metro city HRA calculation (50% vs 40% of basic), PF calculation with ₹15,000 monthly wage ceiling, complete salary component breakup, and annual + monthly in-hand calculations.
Use this tool for job offer evaluation and comparison, monthly budget planning, understanding your exact monthly in-hand, negotiating better packages, tax planning and regime selection, or calculating real salary vs CTC difference. 100% free, no registration required, mobile-responsive, and completely private - all calculations happen in your browser. Updated for 2025 with latest tax slabs, PF rates, and professional tax limits.