CTC to In-Hand Salary Calculator

Estimate take-home pay from CTC using clearly stated salary and deduction assumptions.

Reference values reviewed 8 September 2026

Compensation Details

₹
Example: 6,00,000 for 6 Lakhs
50%
Usually 40% to 50% for standard structuring.
The estimate uses the ₹15,000 statutory wage ceiling by default. Actual salary policies may contribute on higher wages.
Professional tax varies by state, salary band and local rules. Switch it off if it does not apply.
This result is before income tax/TDS and uses an illustrative salary structure. Match it with your offer letter or payslip.

Your Estimated Take-Home Pay

Monthly In-Hand Salary

₹ 0

Annual In-Hand: ₹ 0

Salary Component Monthly (₹)
Gross Earnings
Basic Salary 0
HRA (House Rent Allowance) 0
Special Allowance 0
Gross Monthly Salary 0
Deductions
Total Deductions 0

Understanding CTC vs Gross vs In-Hand Salary

CTC (Cost to Company)

The total amount the employer spends on you annually. Includes your salary plus employer's PF contribution, gratuity, health insurance, and other benefits. This is the number in your offer letter.

Gross Salary

CTC minus employer-side contributions (Employer PF, gratuity). This is what you earn before employee deductions. Your monthly salary slip gross = Basic + HRA + All Allowances.

In-Hand / Net Salary

What reaches your bank after employee-side deductions. This calculator estimates EPF and an optional ₹200 professional-tax amount; it does not calculate income-tax TDS.

Salary Structure Examples at Different CTC Levels

Illustrative monthly values at 50% basic, with capped EPF and a ₹200 professional-tax assumption. Income tax is excluded.

Annual CTC Monthly Basic Monthly HRA Gross / Month EPF Deduction In-Hand (approx.)
₹3 Lakh₹12,500₹6,250₹23,500₹1,500₹21,800
₹6 Lakh₹25,000₹12,500₹48,200₹1,800*₹46,200
₹10 Lakh₹41,667₹20,833₹81,533₹1,800*₹79,533
₹15 Lakh₹62,500₹31,250₹1,23,200₹1,800*₹1,21,200
₹20 Lakh₹83,333₹41,667₹1,64,867₹1,800*₹1,62,867**
₹30 Lakh₹1,25,000₹62,500₹2,48,200₹1,800*₹2,46,200**

* EPF is capped at ₹1,800/month in these examples. ** Income-tax TDS is not included; use our Income Tax Calculator for a separate estimate. HRA and professional tax are illustrative and may not match your employer or state.

Key Salary Components Explained

ComponentTypical %Tax Status
Basic Salary40–50% of CTCFully Taxable
HRA40–50% of BasicPartially Exempt*
Special AllowanceBalance of CTCFully Taxable
LTAVariableExempt (travel proof)
Employee PF (EPF)12% of Basic80C Deductible (Old)
Employer PFOften 12% subject to applicable wage basisUsually part of CTC
Gratuity provisionEmployer-policy dependentEligibility rules apply
Professional TaxState and salary-band specificDeduction varies

* HRA exemption = min of (Actual HRA received, Rent paid − 10% of Basic, 50% of Basic for metro / 40% for non-metro)

Checks Before Comparing Salary Offers

Separate fixed and variable pay

A headline CTC may include performance-linked amounts. Compare guaranteed monthly cash separately.

Confirm employer-side benefits

Check whether employer PF, insurance, gratuity provision and other benefits are included inside the stated CTC.

Use the correct professional tax

Professional tax depends on the employment state and salary band; ₹200 here is only an editable on/off illustration.

Estimate income tax separately

Your regime, taxable income and eligible deductions determine TDS. Do not treat this pre-tax result as final take-home.

Compare the offer-letter assumptions

Check whether employer PF, gratuity, insurance and variable pay are included in CTC before comparing two offers.

Frequently Asked Questions

CTC is the employer's stated annual cost and can include salary, employer contributions, insurance, variable pay and other benefits. In-hand salary is the amount paid after applicable employee deductions. The exact structure differs by employer.

Basic Salary is typically 40–50% of CTC. A lower basic reduces EPF contribution and gratuity liability but may reduce retirement savings. A higher basic increases PF, gratuity, and HRA base — but attracts more tax as it's fully taxable. Use the slider in our calculator to match your offer letter.

It uses your selected basic percentage, HRA at 50% of basic, capped EPF when enabled and an optional ₹200 monthly professional-tax illustration. It treats the balance as special allowance and excludes income-tax TDS.

The gap exists because CTC includes employer-side costs (Employer PF, gratuity, insurance) that don't reach you as cash. Then employee-side deductions (Employee PF 12%, Professional Tax, TDS) are cut from your gross salary. Total gap can be 15–30% of CTC.

Many employers include their PF contribution in CTC, but salary structures differ. This estimator assumes it is included and applies the ₹15,000 wage ceiling; verify both points in your offer letter.

HRA exemption = minimum of: (1) Actual HRA received, (2) Rent paid − 10% of Basic Salary, (3) 50% of Basic (metro cities — Delhi, Mumbai, Kolkata, Chennai) or 40% of Basic (non-metro). To claim HRA exemption, you must pay rent and obtain rent receipts. HRA exemption is only available in the Old Tax Regime.

Gratuity is a statutory terminal benefit subject to eligibility and wage rules. Regular resignation or retirement generally requires five years of continuous service, while specified cases such as death, disablement and fixed-term expiry can differ. Use the separate Gratuity Calculator for an estimate.

Income-tax TDS can materially change take-home pay. This calculator intentionally excludes it because tax depends on taxable income, regime and eligible deductions. Use the Income Tax Calculator to compare separate estimates for tax year 2026–27.
Reviewed 9 September 2026 Reference values can change. Verify important filings or decisions with the relevant authority.

Transparent calculation

Payroll formula and assumptions

MethodEstimated in-hand = CTC − assumed employer contribution − selected employee deductions
  1. Enter the wage or compensation basis requested.
  2. Apply the displayed contribution or benefit rules.
  3. Compare the estimate with the offer letter, payslip and employment facts.

Important assumption: Employer policy, employee category, wage definition and state rules can change the result.

Private by design, useful as an estimate

Most calculation and document entries are processed in this browser. HSN search terms are sent to BharatERP only to return matching references. This shared tool layer does not send entered values to analytics.

Avoid entering passwords, bank credentials or unnecessary identity data. Outputs are estimates or editable templates—not legal, tax, investment, lending or accounting advice.

CTC to In-Hand Calculator result BharatERP Payroll

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