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Salary Calculator (CTC vs In-hand)

See your monthly take-home from your CTC. Includes Basic, HRA, Special allowance, Employer PF, Employee PF, Gratuity, and Professional Tax.

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₹

Total salary package including all components

%

Typically 30–50% of CTC. Higher in private companies, 50% in PSUs.

%

Common: 40–50% of basic

Monthly take-home (in-hand)

₹94,276

Monthly gross salary₹96,276
Employee PF (monthly)₹1,800
Professional Tax (monthly)₹200
Annual take-home₹11,31,312
Annual deductions₹24,000

Annual breakdown (CTC)

  • Basic (40%)₹4,80,000
  • HRA (50% of basic)₹2,40,000
  • Employer PF₹21,600
  • Gratuity (4.81%)₹23,088
  • Special allowance₹4,35,312
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These calculations are for indicative purposes only. For specific tax planning or filing, please consult a CA.

Frequently asked questions

CTC (Cost to Company) is what the company spends on you: Basic + HRA + Special Allowance + Employer PF + Gratuity + bonuses + insurance. In-hand (take-home) is what you actually receive: CTC minus Employer PF, minus your Employee PF, minus Professional Tax, minus Income Tax (TDS).

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