CalcIn-Hand Salary Calculator India — CTC to Take-Home Salary | Calczia
Convert your CTC to actual in-hand salary instantly. Calculate PF, professional tax, income tax deductions & find out exactly how much hits your bank account each month.
Monthly In-Hand Salary
Formula & Calculation
Monthly In-hand = Monthly Gross Salary - Employee EPF - Professional Tax - Income Tax- Monthly Gross Salary: Your basic salary + allowances before deductions.
- Employee EPF Contribution: 12% of basic salary deducted monthly for retirement savings.
- Professional Tax: State government professional tax (up to ₹200-₹208/month).
- Income Tax: Monthly TDS deducted under New Tax Regime slabs.
How to Use
- Enter your annual Cost to Company (CTC).
- Adjust Basic Salary percentage (standard is 50% of CTC).
- Check the automatic deductions for EPF, Gratuity, and Professional Tax.
- View your monthly take-home salary breakdown under the New Regime.
Your company offered you ₹8 LPA. But what actually lands in your bank account every month? Most people are surprised — sometimes pleasantly, sometimes not — when they calculate their actual in-hand or take-home salary.
This is one of the most searched financial questions in India, and Calczia's In-Hand Salary Calculator answers it clearly. Enter your CTC, and we'll show you exactly what you take home after all statutory deductions.
What Is CTC and Why Is It Different from In-Hand Salary?
CTC (Cost to Company) is the total amount a company spends on an employee annually. It includes your basic salary, HRA, allowances, EPF contributions (employer's share), gratuity, and sometimes insurance or meal coupons.
Your in-hand salary is what you actually receive after deducting: Employee PF (12% of basic), Professional Tax (state-dependent, usually ₹200/month), Income Tax (TDS deducted monthly), and any other deductions like NPS or insurance premiums.
Typical Deductions from CTC in India
- Employee PF: 12% of basic salary (usually 50% of CTC)
- Employer PF: Another 12% — included in CTC but not paid to you
- Gratuity: ~4.81% of basic, included in CTC but paid only after 5 years
- Professional Tax: ₹200/month in most states
- Income Tax (TDS): Depends on your income slab
This is why a ₹10 LPA CTC often translates to only ₹65,000–₹70,000 in-hand per month — and our calculator shows you exactly why, line by line.
How to Calculate Your In-Hand Salary
- Enter your annual CTC
- Enter basic salary percentage (usually 40–50% of CTC)
- Add HRA and other allowances if known
- Choose your tax regime (old or new)
Calczia instantly shows you your monthly in-hand amount, annual take-home, and a full deduction breakdown.
Calczia's Salary Calculator vs Excel Spreadsheets
Yes, you could build a salary calculator in Excel. But you'd need to know the formulas, update them every year, and account for state-specific professional tax rates. Calczia handles all of that automatically — free, always updated, and mobile-friendly.
Frequently Asked Questions
How do I calculate in-hand salary from CTC?
Subtract employer PF (12% of basic), employee PF (12% of basic), gratuity (4.81% of basic), professional tax, and income tax TDS from your CTC. The remainder is your approximate in-hand salary.
What is the in-hand salary for ₹5 LPA CTC?
For a ₹5 LPA CTC, the in-hand salary is typically ₹35,000–₹38,000 per month, depending on your basic/HRA split and tax deductions.
Is PF deducted from in-hand salary?
Yes. Employee PF (12% of basic salary) is deducted from your gross salary before you receive your in-hand pay.
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