Take-Home Salary Calculator (CTC to In-Hand)
Convert your CTC to monthly in-hand salary. See the full breakdown — PF, professional tax, gratuity, and estimated TDS.
| Annual CTC | ₹15,00,000 |
| Less: Employer PF | -₹81,000 |
| Less: Gratuity provision | -₹32,467 |
| Gross Salary | ₹13,86,533 |
| Less: Employee PF | -₹81,000 |
| Less: Professional Tax | -₹2,400 |
| Less: Estimated TDS | -₹79,799 |
| Annual In-Hand | ₹12,23,334 |
Assumes employer PF (12% of basic), gratuity provision (4.81% of basic), employee PF (12% of basic) and standard deduction. A simplified estimate — your offer letter may differ.
From CTC to in-hand: where your salary goes
Your offer letter quotes a CTC, but the amount that hits your account is smaller. Several components are either parked for later (provident fund, gratuity) or paid to the government (professional tax, TDS). Understanding the split helps you negotiate and plan.
The components
- Employer PF — 12% of basic, paid into your EPF account.
- Gratuity provision — about 4.81% of basic, payable on exit after 5 years.
- Employee PF — 12% of basic, deducted from your salary into EPF.
- Professional tax — a small state levy, up to ~₹2,500/year.
- TDS — income tax deducted at source based on your slab.
Worked example
On a ₹15,00,000 CTC with basic at 45%, employer PF and gratuity (~₹1.05 lakh combined) come out of CTC to give gross salary. Employee PF, professional tax, and estimated TDS are then deducted to arrive at your annual and monthly in-hand figures, shown in the breakdown table.
How to use this calculator
Enter your CTC, adjust the basic percentage and professional tax for your state, and choose the tax regime used for the TDS estimate. The breakdown table shows every deduction and your final monthly take-home.
Frequently asked questions
What is the difference between CTC and in-hand salary?
CTC (Cost to Company) is the total annual cost your employer bears, including employer PF, gratuity provision, and other benefits. In-hand salary is what actually reaches your bank account after PF, professional tax, and TDS are deducted.
How is in-hand salary calculated?
In-hand = CTC − employer PF − gratuity provision − employee PF − professional tax − estimated TDS. This calculator applies standard assumptions for each and lets you adjust the basic percentage and professional tax.
Why is employer PF subtracted from CTC?
Employer PF is part of your CTC but is paid into your provident fund, not your monthly salary. It is your money, but you receive it later, so it is excluded from monthly in-hand.
How much is professional tax?
Professional tax is levied by states and is typically up to ₹2,500 per year (often ₹200/month). A few states do not levy it. Adjust the field to match your state.
How accurate is the TDS estimate?
TDS is estimated from your gross salary using FY 2025-26 slabs and the standard deduction, in the regime you select. Actual TDS depends on declared investments and other income, so treat it as an estimate.
What basic percentage should I use?
Basic pay is usually 40–50% of CTC. A higher basic increases PF and gratuity (more long-term savings) but slightly reduces monthly in-hand. The default is 45%.
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Disclaimer: These calculators provide estimates for general information only and are not financial, tax, or investment advice. Figures use FY 2025-26 (AY 2026-27) rules and standard assumptions; your actual numbers may differ. Verify with a qualified professional before acting.