Salary / CTC Calculator
Enter annual CTC — get an instant estimate of monthly in-hand salary after PF, professional tax and income tax.
How to use — Salary / CTC Calculator
- Enter your annual CTC (from the offer letter).
- Set the basic salary % — most companies keep it at 40–50%.
- Set the PF and tax checkboxes to match your case.
- Click Calculate — see the estimated monthly in-hand and full breakdown.
FAQ
Why is there such a big difference between CTC and in-hand?
CTC includes employer PF, gratuity, insurance, and variable pay, which don't reach your hand. On top of that, employee PF, professional tax, and income tax are deducted. A ₹12L CTC typically gives ₹80–90k/month in-hand.
How much PF is deducted?
Employee PF = 12% of basic (deducted from salary). The employer also contributes 12%, but that's already counted in CTC. Together they build your retirement corpus.
What is professional tax?
A state government tax — ₹200/month (₹2,400–2,500/year) in most states. Some states (Delhi, UP, Haryana) don't levy it. This calculator assumes ₹2,400/year.
What about variable pay/bonus?
Variable pay is part of CTC but is paid based on performance, usually quarterly/annually. For fixed in-hand, remove the variable component from CTC before calculating.