In-Hand Salary Calculator — CTC to Take-Home
Calculate your exact in-hand (take-home) salary from your CTC (Cost to Company). Includes PF deduction, professional tax, HRA, and estimated income tax calculation.
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In-Hand Salary Calculator
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Estimated Monthly In-Hand
₹81,586
Net Annual: ₹9,79,032
Earnings Breakdown (Annual)
Basic
₹6,00,000
HRA
₹2,40,000
Special Allowance
₹2,88,000
Deductions (Annual)
EPF (Employee)
-₹72,000
Prof. Tax
-₹2,400
Estimated Income Tax
-₹74,568
💡 Enter your Annual CTC to estimate your take-home salary based on standard Indian corporate structures and the new tax regime.
Guide
How to Use In-Hand Salary Calculator
Enter CTC
Input your annual CTC (Cost to Company) as mentioned in your offer letter.
Add Allowances
Enter HRA, special allowance, and other components if known, or use default splits.
Select Tax Regime
Choose between the old and new tax regime for more accurate tax calculation.
Get Take-Home Pay
See your monthly in-hand salary, yearly breakdown, and all deduction details.
Frequently Asked Questions
CTC (Cost to Company) is the total expense a company incurs for an employee, including benefits and contributions. In-hand (take-home) salary is what you actually receive after all deductions like PF, tax, and professional tax.
Employee contribution to EPF is 12% of basic salary. Employer also contributes 12% but this isn't deducted from your salary — it's an additional cost in CTC.
Professional tax is a state-level tax on salaried individuals, usually ₹200 per month (₹2,400 per year) in most states like Maharashtra, Karnataka, etc. Some states don't levy it.
HRA (House Rent Allowance) is typically 40-50% of basic salary. The exempt HRA (not taxable) is the minimum of: actual HRA received, rent paid minus 10% of basic, or 40%/50% of basic salary.
For most salaried employees with exemptions and investments, the old tax regime is beneficial up to ₹7-8 LPA. Above that, compare both regimes based on your deductions.