CTC to In-Hand Salary Calculator

Formula

in-hand = gross − PF − professional tax − income tax

Tips

• CTC is what you cost the employer, not what you receive. Employer PF, gratuity accrual and insurance premiums sit inside CTC but never reach your account.
• A higher basic increases PF and gratuity — better long-term savings, lower monthly cash.
• Professional tax is levied by state and capped at ₹2,500 a year. Some states, including Delhi and Haryana, do not levy it at all.
• Variable pay and joining bonuses are usually included in CTC but paid conditionally, which is the most common reason in-hand differs from expectation.

Frequently asked questions