CTC to In-Hand Salary Calculator
Break your CTC down into basic pay, HRA, PF and gratuity to estimate your real monthly take-home salary.
- In-Hand Salary₹11.31 Lakh94.3%
- Employee PF₹21,6001.8%
- Professional Tax₹2,4000.2%
- Employer PF + Gratuity₹44,6883.7%
How This Calculator Works
This calculator applies commonly used salary-structuring assumptions: basic pay as a percentage of CTC, HRA as a percentage of basic, employee and employer PF at 12% of basic (capped at the ₹15,000 statutory wage ceiling), and a standard gratuity accrual of ~4.81% of basic. Actual payslip structures vary by employer — treat this as an estimate, not an official breakup.
Note: this estimate excludes income tax (TDS). Use the Income Tax Calculator to estimate your tax and true post-tax take-home.
Frequently Asked Questions
Why is my in-hand salary lower than my CTC?
CTC includes components that never reach your bank account directly — such as the employer's PF contribution and gratuity — plus deductions like your own PF contribution, professional tax and income tax. In-hand salary is what remains after all of these.
What is the basic pay percentage usually set to?
Basic pay commonly ranges from 35% to 50% of CTC, though this varies by company. A higher basic pay increases HRA and PF (both employee and employer contributions), while a lower basic pay increases the special allowance component.
Does this calculator include income tax (TDS)?
No — this calculator estimates the salary breakup and in-hand pay before income tax. Use our Income Tax Calculator separately to estimate your TDS and net take-home after tax.
What is the PF wage ceiling?
Under EPFO rules, employer PF contributions are commonly calculated on a wage ceiling of ₹15,000 basic pay per month, even if actual basic pay is higher — though some employers contribute on full basic pay voluntarily.
Is gratuity paid to me every month?
No — gratuity is a lump-sum benefit paid only when you leave the company after completing a minimum period of continuous service (commonly 5 years), even though it is factored into your annual CTC.