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 India

Calculate your in-hand salary from CTC. Get a complete breakdown of basic salary, HRA, PF, professional tax, income tax and take-home salary — monthly and annually.

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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.