How is in-hand salary calculated from CTC?

In-hand salary = CTC minus employer PF contribution minus gratuity minus income tax minus professional tax. Typically in-hand salary is 65-75% of CTC depending on the salary structure and tax liability.

What is HRA in salary?

HRA stands for House Rent Allowance. It is a component of salary provided to cover rental expenses. For metro cities, HRA is typically 50% of basic salary. For non-metro cities, it is 40% of basic salary.

What is the PF deduction in salary?

Employee PF contribution is 12% of basic salary (up to ₹15,000 basic). Employer also contributes 12%. So total PF is 24% of basic but only 12% is deducted from your salary.

Salary Calculator – CTC to In-Hand

Find your monthly in-hand salary from your annual CTC. The free salary calculator for India breaks down basic pay, HRA and allowances and deducts PF, professional tax and income tax to show your take-home pay.

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India Salary Calculator — CTC to In-Hand

Our salary calculator helps Indian employees understand their take-home salary from their Cost to Company (CTC). Many employees are surprised to find that their in-hand salary is significantly lower than their CTC — typically between 65% and 75% of CTC depending on their salary structure, tax regime and applicable deductions.

Key components that reduce your CTC to in-hand pay include: Employee PF contribution (12% of basic), Professional Tax (state-specific), and Income Tax (TDS deducted monthly by employer). Understanding these deductions helps you plan your finances better and negotiate more effectively during job changes.

New vs Old Tax Regime — Which is Better?

Annual Income	New Regime Tax	Old Regime Tax	Better Choice
Up to ₹7 Lakh	₹0 (rebate)	Depends on deductions	New Regime
₹7L – ₹10L	₹31,200	₹0 – ₹31,200 (with 80C)	Old if high 80C investments
₹10L – ₹15L	₹93,600	₹1,04,000 – ₹1,56,000	New Regime usually
Above ₹15L	₹1,56,000+	Depends on deductions	Compare both

Frequently Asked Questions

What is the in-hand salary for 6 LPA CTC?

For a ₹6 LPA (₹6,00,000 per year) CTC with 40% basic and non-metro HRA, the monthly in-hand salary is approximately ₹43,000 to ₹47,000 depending on professional tax and tax regime. Under the new regime with no TDS liability, it can be closer to ₹47,000.

What is the in-hand salary for 10 LPA?

For ₹10 LPA CTC, the monthly in-hand salary is approximately ₹68,000 to ₹74,000 depending on salary structure and tax deductions. PF deduction accounts for about ₹1,600/month and income tax under new regime adds roughly ₹2,600/month in TDS.

Is PF mandatory in India?

Yes, EPF (Employee Provident Fund) is mandatory for companies with 20 or more employees. The employee contributes 12% of basic salary and the employer contributes another 12%. However, employees earning above ₹15,000 basic can opt out of PF.

Is this salary calculator free?

Yes, 100% free. No account needed. Results are estimates — actual figures may vary based on your employer's specific salary structure and allowances.