CTC to In-Hand Salary Calculator
Offer letters quote CTC, but your bank account sees in-hand pay. Enter your CTC and basic salary percentage to see the gap. Income tax depends on your regime and deductions, so enter your expected annual tax if you know it.
Quick answer
In-hand salary ≈ CTC − employer PF − gratuity − employee PF − professional tax − income tax (TDS), divided by 12. PF is 12% of basic salary. If your employer limits PF to the wage ceiling, it is capped at ₹3,000 a month, because the EPF wage ceiling rose from ₹15,000 to ₹25,000 on 17 September 2026.
How to use the CTC to In-Hand Salary Calculator
- Enter annual CTC.
- Enter basic salary as a % of CTC (often 40–50%).
- Choose the PF basis (actual basic, or capped at the ₹25,000 wage ceiling).
- Enter professional tax and estimated annual income tax.
- Read monthly in-hand pay.
Worked example
CTC ₹12,00,000, basic 50%: basic ₹6,00,000; employer PF ₹72,000; gratuity ≈ ₹28,860; employee PF ₹72,000; PT ₹2,400. Before income tax, in-hand ≈ ₹10,24,740 a year, about ₹85,395 a month.
Formula
Gratuity (provision) = Basic × 4.81% PF = 12% of Basic (or of ₹25,000/month if capped, from 17 Sep 2026)
Frequently asked questions
Why is gratuity deducted from CTC?
Many employers include the gratuity provision in CTC, but it is paid only on leaving after (usually) five years of service.
Does this calculate my income tax?
No. Tax depends on your regime choice and deductions. Enter the annual tax figure from your payslip or tax planner.
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