In-Hand Salary Calculator
Your monthly take-home pay from CTC, after PF, gratuity, professional tax and income tax.
Your PF (₹1,44,000 a year including the employer's share) and gratuity are still yours: they're savings you get later, not money lost.
From CTC to in-hand
| Component | Per year | Per month |
|---|---|---|
| Cost to company (CTC) | ₹12,00,000 | ₹1,00,000 |
| − Employer PF (goes to your PF account) | ₹72,000 | ₹6,000 |
| − Gratuity (paid when you leave) | ₹28,846 | ₹2,404 |
| = Gross salary | ₹10,99,154 | ₹91,596 |
| Basic + DA | ₹6,00,000 | ₹50,000 |
| HRA | ₹3,00,000 | ₹25,000 |
| Special allowance | ₹1,99,154 | ₹16,596 |
| − Your PF contribution | ₹72,000 | ₹6,000 |
| − Professional tax | ₹2,400 | ₹200 |
| − Income tax (new regime) | ₹0 | ₹0 |
| = In-hand salary | ₹10,24,754 | ₹85,396 |
How CTC becomes take-home pay
Your CTC includes things you don't receive every month: the employer's 12% PF contribution and gratuity (about 4.81% of basic). What's left is your gross salary. From that, your own 12% PF, professional tax and income tax (TDS) are deducted; the rest is paid into your account.
Since the wage code took effect in November 2025, basic pay must be at least half of CTC. A higher basic means more PF and gratuity, so slightly lower monthly take-home but more savings. Compare regimes in detail with the tax regime calculator, check your HRA exemption, or plan advance tax if you have other income.
An estimate, not payroll advice. Your employer’s actual salary structure, PF policy and state professional tax decide the final figure. Calculated in your browser; nothing you enter is sent anywhere.