Salary Calculator — CTC to In-Hand
Know your exact monthly take-home salary from your CTC. Includes PF, gratuity, HRA, professional tax & income tax deductions.
Basic Details
Cost to Company per year
Usually 40-50% of CTC
50% metro, 40% non-metro cities
Tax & Deductions
Employee + Employer both 12%
Professional tax, loan EMI, etc.
How to Use Salary Calculator
Enter your annual CTC and our calculator automatically computes your exact monthly in-hand salary. We account for PF deductions, HRA exemption, professional tax, and income tax under both old and new tax regimes for FY 2025-26.
Frequently Asked Questions
What is CTC and how is it different from in-hand salary?
CTC (Cost to Company) is the total amount your employer spends on you annually, including PF contributions, gratuity, and all allowances. In-hand salary is what you actually receive after all deductions.
How is in-hand salary calculated?
In-Hand = Gross Salary - Employee PF - Professional Tax - Income Tax (TDS) - Other Deductions. Gross salary is CTC minus employer PF and gratuity.
Which tax regime is better — old or new?
New regime is better if you have fewer deductions to claim. Old regime benefits those with home loans, HRA claims, and heavy 80C investments. Use our comparison above to decide.
What is professional tax?
Professional tax is a state-level tax on employment income. It varies by state — Maharashtra charges ₹200/month (₹2,400/year), Karnataka ₹200/month, others vary or don't have it at all.
Is PF deduction mandatory?
Yes, for companies with 20+ employees, PF is mandatory if basic salary is under ₹15,000/month. For higher salaries, it depends on company policy.