CTC to In-Hand Salary Calculator

Cost-to-Company (CTC) is what an employer spends on you every year — but it's never what lands in your bank account. CTC bundles your fixed pay (Basic, HRA, Special Allowance), variable pay (bonus), and costs the company bears on your behalf but you never directly receive: the employer's Provident Fund contribution and gratuity (paid out only when you leave after 5 years). Your actual monthly credit — the in-hand or net salary — is your Gross Salary minus your own PF contribution, Professional Tax (state-specific), and TDS on income tax.

Why does Basic % matter so much? A higher Basic salary means higher PF contributions (more retirement savings, less in-hand today) and a higher HRA base if you rent. Most companies fix Basic between 35% and 50% of CTC. Employee PF is mandatory at 12% of Basic (matched by the employer), calculated either on the full Basic or capped at the statutory wage ceiling of ₹15,000/month, depending on company policy.

Note: This is an estimate for salaried employees in India for FY 2025-26. Actual in-hand pay can vary based on your specific company's salary structure, applicable state Professional Tax slabs, and any additional employer deductions (insurance premiums, loan EMIs, etc.) not modeled here.