In-Hand Salary Calculator
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Where the money goes between CTC and your bank
CTC is what you cost the company, not what you are paid. Three separate things sit between the two numbers, and only the last is tax:
- The employer's PF contribution. Counted in CTC, paid into your PF account. It is yours, but not this month.
- Gratuity. Often shown in CTC from day one, actually payable only after five years of service.
- Your own PF, professional tax and income tax. Deducted from your salary before it is paid.
How much they add up to depends entirely on the structure. On a ₹12 lakh CTC with PF at the statutory cap the gap is around 10 percent; on a ₹50 lakh CTC with PF on full basic it passes 30. Nothing has gone wrong when your take-home looks small — that is how the arithmetic works, and the table above shows exactly where each rupee went.
Why nothing here is fixed
Basic is commonly 40 to 50 percent of CTC, but that is a company decision. PF may be on the statutory ₹15,000 ceiling or on full basic. Professional tax is set by your state — Maharashtra, Karnataka and West Bengal each charge differently, and Delhi, Haryana and Uttar Pradesh do not charge it at all. Any calculator that hardcodes these is wrong for most of the people using it, so they are asked for instead.
The number worth negotiating
A higher basic raises your PF and gratuity — good for long-term savings, lower in hand each month. A lower basic does the reverse. Two offers with the same CTC can differ noticeably in take-home for this reason alone, which is worth checking before comparing them.
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Frequently Asked Questions
Because CTC includes money that never reaches your account. The employer's PF contribution and gratuity are counted in the cost to the company but are paid into your PF and gratuity, not your bank. Add income tax and your own PF and the gap is commonly around 10 percent on a modest salary with PF at the statutory cap, rising past 30 percent on a high salary with PF on full basic.
Because no two companies structure salary the same way. Basic is commonly 40 to 50 percent of CTC but it is a company decision, not a rule. A calculator that fixes these numbers is confidently wrong for most people, so all of them are yours to set from your own offer letter.
There is a field for it, left for you to fill. Professional tax is a state levy — Maharashtra, Karnataka, West Bengal and others each set their own amount, and Delhi, Haryana and UP do not charge it at all. Guessing it would be wrong for a large share of users, so it is asked for instead.
Whichever you choose, and you enter the tax yourself or use the rough estimate. Slabs, rebates and the standard deduction change from year to year — for an exact figure use a dedicated income tax calculator for the assessment year you are filing.
The usual formula is 15 days of basic for each completed year, which works out at about 4.81% of annual basic. It is only actually payable after five years of service, but many companies show it in the CTC from day one.
No. Your salary details stay in your browser and nothing is uploaded or stored.