Salary Calculator
CTC to In-Hand | Know your real take-home pay
Salary Details
Your total Cost to Company per annum
Affects HRA exemption: Metro 50% vs Non-Metro 40% of Basic
CTC Structure (Customize %)
Your Monthly In-Hand Salary
₹0
Annual In-Hand: ₹0
Monthly Earnings
Monthly Deductions
Employer Side (Part of CTC but not in your salary)
Understanding CTC Components
When a company offers you a CTC of ₹10 Lakhs, it does NOT mean you will receive ₹83,333 in your bank every month. CTC includes several components — some reach your bank directly, some go to your PF account, and some are the employer's statutory cost.
Direct Components (You Receive)
- Basic Pay: 35-50% of CTC — Foundation of your salary
- HRA: 40-50% of Basic — House Rent Allowance
- Special Allowance: Remaining balance to fill CTC
- Performance Bonus: Variable, paid quarterly/annually
Indirect Components (You Don't Receive Directly)
- Employer PF: 12% of Basic — Goes to PF account
- Gratuity: 4.81% of Basic — Paid after 5 years
- Insurance: Group health/life cover premium
- ESIC: 3.25% if gross ≤ ₹21K/month
Typical In-Hand Salary for Popular CTC Ranges
| Annual CTC | Monthly CTC | Monthly In-Hand (Est.) | In-Hand % |
|---|---|---|---|
| ₹3 Lakhs | ₹25,000 | ₹20,800 | ~83% |
| ₹5 Lakhs | ₹41,667 | ₹34,200 | ~82% |
| ₹10 Lakhs | ₹83,333 | ₹62,500 | ~75% |
| ₹15 Lakhs | ₹1,25,000 | ₹88,500 | ~71% |
| ₹20 Lakhs | ₹1,66,667 | ₹1,12,000 | ~67% |
| ₹50 Lakhs | ₹4,16,667 | ₹2,55,000 | ~61% |
Estimates assume 40% Basic, New Tax Regime. Actual in-hand depends on CTC structure and deductions.
Professional Tax by State
| State | Monthly Amount | Annual Max |
|---|---|---|
| Maharashtra | ₹200 (₹300 in Feb) | ₹2,500 |
| Karnataka | ₹200 | ₹2,400 |
| West Bengal | ₹150 - ₹200 | ₹2,400 |
| Tamil Nadu | Up to ₹208 | ₹2,500 |
| Telangana | ₹200 | ₹2,400 |
| Gujarat | ₹200 | ₹2,400 |
| Delhi / UP / Rajasthan | NIL | NIL |
Frequently Asked Questions
Why is my in-hand salary so much less than CTC?
CTC includes employer contributions to PF (12% of Basic), Gratuity (4.81% of Basic), and sometimes insurance premiums and ESIC. These never reach your bank account directly. On top of that, employee PF (12%), Professional Tax, and Income Tax (TDS) are deducted from your gross salary.
Should I opt for higher Basic pay or lower?
Higher Basic = Higher PF contribution (good for retirement savings) but lower in-hand pay. Lower Basic = Higher Special Allowance = Higher in-hand but lower PF. If you're in the Old Tax Regime with HRA benefits, a balanced 40% Basic is usually optimal.
What is the PF contribution ceiling?
The statutory PF contribution is calculated on Basic pay up to ₹15,000/month. However, many companies voluntarily compute PF on the full Basic salary. This calculator uses 12% of full Basic for both employee and employer contributions.
Important Disclaimer
For Informational Purposes Only: This calculator provides salary estimates based on a standard CTC structure. Actual salary components vary by company.
TDS is Estimated: Income tax (TDS) shown is a rough estimate using the New Tax Regime. Your actual TDS may differ based on declarations submitted to your employer.
No Liability: QuickTools India assumes no responsibility for any decisions or actions taken based on the salary calculations provided on this tool.