CTC to In-Hand Salary Calculator
Know what you’ll actually take home. Enter your CTC and see an easy-to-understand salary breakup, estimated deductions, and monthly in-hand pay for FY 2026-27.
CTC → IN-HAND
Salary calculator
Calculate your monthly in-hand salary from CTC in India for FY 2026-27. Estimate income tax, employee PF, professional tax and other deductions to understand your actual take-home salary.
Enter your CTC above and click “Calculate in-hand salary” to see your estimated breakup.
EXPLAINED
What is CTC?
CTC (Cost to Company) is the total amount your employer spends on you in a year — your cash salary plus employer contributions such as employer PF and gratuity. Gross salary is the cash part, and take-home salary is what lands in your account after income tax, employee PF and professional tax. Because CTC can include non-cash items, it is always higher than your in-hand salary.
THE FLOW
How is in-hand salary calculated?
- Annual CTC
- Gross salary (fixed + variable cash pay)
- Employee PF
- Professional tax
- Income tax / TDS
- Other applicable deductions
- Monthly in-hand salary
COMPONENTS
What is included in CTC?
A CTC typically bundles basic salary, HRA, employee and employer PF, gratuity, variable pay, bonus and other allowances. The exact mix varies by employer — for example, some include a large gratuity, others put more into variable pay. The calculator estimates a common structure but always shows the assumptions so you can compare fairly.
SIDE BY SIDE
CTC vs In-Hand Salary
| Component | CTC | In-Hand |
|---|---|---|
| Basic salary | Included | Part of gross |
| Employer PF | May be included | Not received directly |
| Employee PF | Included in CTC structure | Deducted |
| Income tax | Not received | Deducted |
| Gratuity | May be included | Usually not monthly cash |
| Variable pay | May be included | Depends on payout |
HOW IT WORKS
How our calculator works
Enter your annual CTC, then choose your tax regime, state and whether variable pay is fully payable. The calculator estimates your salary structure, applies FY 2026-27 tax rules, PF, gratuity and professional tax, and returns your estimated monthly take-home along with every deduction. Actual salary can differ depending on employer-specific structure and deductions.
FAQ
Common salary questions
What is the difference between CTC and in-hand salary?
CTC is the total cost to your employer, including non-cash employer contributions. In-hand is what reaches your bank account after income tax, employee PF and professional tax are deducted from your gross salary.
How is in-hand salary calculated from CTC?
Starting from CTC, subtract employer-only items (employer PF, gratuity) to get gross, then subtract employee PF, professional tax and income tax to get annual in-hand; divide by 12 for the monthly figure.
How much is ₹10 LPA in-hand salary?
Under the new regime with a standard structure, a ₹10 LPA CTC typically nets roughly 75–80% of the monthly CTC equivalent as in-hand, depending on tax regime, structure and location.
Does CTC include employer PF?
Yes. Employer PF is part of CTC but is not paid to you as monthly cash — it is credited to your provident fund separately.
Is gratuity included in CTC?
Yes, gratuity is treated as an employer contribution within CTC (about 4.81% of basic per year). It is not usually paid as part of your monthly cash.
Why is my in-hand salary lower than my CTC?
Because CTC includes employer contributions and non-guaranteed variable pay, while your in-hand is your gross salary minus income tax, employee PF and professional tax.
Your full salary breakup as a clean, shareable PDF.