Salary Calculator
Convert CTC to in-hand monthly salary with all deductions.
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Results
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⚠️ Results are indicative only. Consult a qualified professional before making any decisions.
What is this Calculator?
The Salary Calculator helps you convert your CTC (Cost to Company) to your actual in-hand monthly salary. CTC includes many components that are not directly paid to you — like employer PF contribution, gratuity provision, and other benefits.
How to Use
1
Enter Annual CTC: Enter your total Cost to Company as mentioned in your offer letter.
2
View Results: See the breakdown of Basic, HRA, PF deduction, Professional Tax, and your monthly in-hand salary.
Frequently Asked Questions
CTC (Cost to Company) is the total annual expenditure a company makes on an employee. It includes basic salary, HRA, allowances, employer PF contribution, gratuity, and other benefits.
In-hand salary is lower than CTC because CTC includes employer PF contribution (12% of basic), professional tax, and other deductions that don't form part of your take-home pay.
Typically: Basic = 40% of CTC, HRA = 50% of Basic, Special Allowance = remaining. Employee PF = 12% of Basic is deducted from salary; Employer PF = 12% is added to CTC.
Professional Tax is a state-level tax deducted from salary, ranging from ₹200–₹2,500 per year depending on the state. Not all states levy professional tax.
You can optimize your salary structure by choosing components like meal vouchers, LTA, telephone reimbursements, and NPS contributions — which reduce tax liability and increase take-home.
This calculator uses a standard CTC structure. Actual in-hand salary may vary based on your specific company's salary structure, allowances, income tax deducted, and other factors.