Salary Calculator (CTC to In-Hand)

Break down your CTC to understand your actual take-home salary

Typically 40%–50% of CTC

50% for metro cities, 40% for non-metro

Monthly Breakdown

Basic Salary:₹0
HRA:₹0
Other Allowances:₹0
Gross Salary:₹0
(-) EPF Deduction:₹0
(-) Professional Tax:₹0
Monthly In-Hand: ₹0
Annual In-Hand: ₹0

Understanding CTC vs In-Hand Salary

CTC (Cost to Company) is the total annual cost your employer spends on you. Your in-hand salary is what you actually receive after deductions like EPF, professional tax, and income tax.

Typical CTC Components

  • Basic Salary: 40%–50% of CTC — forms the base for EPF, gratuity, HRA
  • HRA: 40%–50% of Basic — tax-exempt if you pay rent
  • EPF (Employer + Employee): 12% of Basic each
  • Special/Other Allowances: Remaining amount after other components
  • Gratuity: 4.81% of Basic (included in CTC but paid at exit)

Frequently Asked Questions

Why is in-hand salary so much less than CTC?

CTC includes employer contributions to EPF, gratuity provision, insurance premiums, and other benefits that don't reach your bank account directly.

Is a higher Basic Salary better?

Higher basic means more EPF savings (good for retirement) but also higher tax liability. Lower basic with higher HRA/allowances can reduce tax for rent-payers.