Salary Details
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₹1L₹1Cr
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30%60%
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₹0₹250
PF is taken as 12% of basic salary (employer + employee). Gratuity is estimated at 4.81% of basic and is part of CTC. Actual structures vary by employer.
Monthly In-Hand Salary
₹0
Annual take-home: ₹0
Gross / yr
₹0
Deductions / yr
₹0
Take-home %
0%
CTC → Take-Home Breakup
Take-home 75%
Deductions 25%
Monthly Salary Slip (estimated)
Approximate monthly figures based on your CTC and structure
How In-Hand Salary Is Calculated
Gross = CTC − Employer PF − Gratuity
In-hand = Gross − Employee PF − Prof. Tax − Income Tax
In-hand = Gross − Employee PF − Prof. Tax − Income Tax
Your CTC includes employer contributions you never receive as cash. Subtract those to get gross salary, then subtract your own statutory deductions and income tax to arrive at the amount credited to your bank each month.
Typical CTC Components
- →Basic salary — usually 40–50% of CTC. Drives PF and gratuity.
- →HRA & allowances — house rent, special and other allowances make up the rest of gross.
- →Employer PF & gratuity — part of CTC but not paid as monthly cash.
- →Deductions — employee PF, professional tax and TDS reduce your net pay.
Frequently Asked Questions
Common questions about CTC and in-hand salary
What is the difference between CTC and in-hand salary?
CTC is the total annual cost to your employer — gross salary plus employer PF and gratuity. In-hand salary is what reaches your bank account after your own PF, professional tax and income tax. In-hand is typically 70–85% of CTC.
How much PF is deducted from salary?
EPF is 12% of your basic salary, with a matching 12% from your employer. The employee share is deducted from gross; the employer share is part of CTC. This calculator applies 12% on your full basic; some employers instead cap it at the statutory minimum of ₹15,000 basic (₹1,800/month).
Is professional tax deducted from salary?
Yes — it is a state-level tax, capped at ₹2,500/year (commonly ₹200/month). States like Maharashtra, Karnataka and West Bengal levy it; Delhi, Haryana and UP do not. Set it to ₹0 if your state doesn't charge it.
Which regime gives higher in-hand salary?
The new regime usually wins for those with few deductions — lower slabs and zero tax up to ₹12L taxable. The old regime only beats it if you have large 80C, HRA and home-loan deductions. Compare both in our Income Tax Calculator.
Does a higher basic salary reduce in-hand pay?
A higher basic raises your PF and gratuity, slightly lowering immediate cash but building a bigger, tax-efficient retirement corpus. A lower basic gives more cash now but less long-term savings.
How accurate is this calculator?
It uses standard assumptions (12% PF, 4.81% gratuity, current-year tax slabs) and gives a close estimate. Your actual slip depends on your employer's exact structure, variable pay, NPS, insurance and reimbursements. Use it for planning, not as an official figure.