CTC to In-Hand Salary Calculator

Convert your CTC to in-hand salary instantly.
Get a full breakdown of your actual monthly take-home.

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CTC Calculator Interface

Your CTC Details

%
Annual CTC
₹6,00,000
Basic Salary (40% of CTC)
₹2,40,000
Monthly In-Hand Salary
₹44,038
See breakdown below ↓

Annual CTC Breakdown

Components
Annual Amount
Basic Salary₹2,40,000
House Rent Allowance (HRA)₹1,20,000
Special Allowance₹1,99,662
Employer PF Contribution₹28,800
Gratuity (accrued)₹11,538
Total CTC₹6,00,000

Monthly In-Hand Breakdown

Deductions
Monthly Amount
Gross Monthly Salary₹46,638
Employee PF (12% of Basic)− ₹2,400
Professional Tax− ₹200
Estimated TDS (New Regime)− ₹0
Total Deductions₹2,600

Monthly In-Hand Salary

Gross Monthly - Total Deductions

₹44,038
Annual In-hand: ₹5,28,462
How It Works

How This Calculator Works

1

Enter your annual CTC

The total cost-to-company figure from your offer letter

2

It splits into components

Basic, HRA, Special Allowance, employer PF, and gratuity, using standard structuring ratios

3

Deductions are applied

Employee PF (12% of Basic), Professional Tax, and estimated TDS

4

See your in-hand salary

Both monthly and annual, alongside the full breakup

The Real Numbers

Why In-Hand Salary Is Always Lower Than CTC

Three components inflate CTC without ever touching your monthly bank credit.

Employer's PF contribution

Goes into your retirement account, not your salary account — it never shows up in your monthly credit.

Gratuity

Accrues annually but is only paid out when you leave after 5+ years of service.

Insurance & other benefits

Added to CTC as value, never paid out as cash in your monthly salary.

This is why a ₹9,00,000 CTC often results in roughly ₹54,000/month in-hand, not ₹75,000 (₹9L ÷ 12) as many people initially assume. For the full formula and a worked example, see our CTC vs In-Hand Salary guide.

Who It's For

What This Calculator Is Useful For

Job seekers

Compare two job offers on actual take-home pay, not just the headline CTC number, before deciding.

HR teams

Explain CTC breakups to candidates instantly during offer discussions, instead of building a spreadsheet each time.

Founders & small business owners

Understand the real monthly cash outflow of a hire, and reverse-calculate the CTC needed to hit a target in-hand figure.

The Math

Formula Used

Gross Monthly Salary = (Basic + HRA + Special Allowance) ÷ 12
In-Hand Salary = Gross Monthly Salary − (Employee PF + Professional Tax + TDS)
FAQ

Frequently Asked Questions

Subtract employer contributions (PF, gratuity, insurance) from your CTC to get gross salary, divide by 12 for the monthly figure, then subtract employee deductions like PF, professional tax, and TDS to get your in-hand salary.

Because CTC includes components like employer PF contribution, gratuity, and insurance that are never paid out as monthly cash — only your actual gross salary minus deductions reaches your bank account.

It provides a close estimate based on standard salary structuring practices. Exact figures can vary slightly since companies structure CTC components (Basic %, HRA %, allowances) differently.

Yes, HR teams can use it to quickly show candidates what a given CTC translates to in monthly take-home, speeding up offer discussions.

It estimates TDS using the New Tax Regime slabs, which is the default regime since FY 2023-24. For an exact comparison against the Old Regime, see our dedicated income tax guide.

Explaining CTC breakups manually to every new hire doesn't scale

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