What is included in CTC but not in in-hand salary?

CTC includes Employer PF, Gratuity, Performance Bonus, Insurance benefits, and Gross deductions like Employee PF and TDS that are deducted before payout.

Does this account for tax regime choices?

Yes, it uses the standard New Tax Regime (default for Indian taxpayers) with the standard deduction applied.

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Salary Calculator — CTC to In-Hand Salary Calculator Online Free

Estimate your monthly take-home salary from your CTC. Free, no signup, updated for current tax slabs.

Annual CTC

₹

₹3 LPA₹25 LPA₹50 LPA

Basic Salary (% of CTC)

Usually 40% to 50% across Indian companies

Annual Bonus / Variable Pay (Optional)

₹

Location / City Type

Estimated In-Hand Salary

₹84,990/ month

Approx. ₹10,19,886 per year

Gross Monthly Salary₹95,200

Employee PF (Monthly)- ₹4,800

Professional Tax (PT)- ₹200

Estimated TDS / Tax- ₹5,210

Calculated using the New Tax Regime (FY 2024-25 / 2025-26) with standard deduction. Actual in-hand may vary based on exact company reimbursement policies.

Detailed Salary Breakdown Table

Component	Monthly (₹)	Annual (₹)
Basic Salary	₹40,000	₹4,80,000
House Rent Allowance (HRA)	₹20,000	₹2,40,000
Special / Other Allowances	₹35,200	₹4,22,400
Gross Total Earnings	₹95,200	₹11,42,400
Employee Provident Fund (PF)	- ₹4,800	- ₹57,600
Professional Tax (PT)	- ₹200	- ₹2,400
Estimated Income Tax (TDS)	- ₹5,210	- ₹62,514
Net Take-Home (In-Hand Salary)	₹84,990	₹10,19,886

How to Use Salary Calculator

Follow these 3 simple steps to get your task done in seconds.

Enter Annual CTC

Type your total annual cost to company package in Rupees.

Configure Basic % and City

Adjust Basic Salary percentage (standard 40-50%) and select Metro or Non-metro city.

Review In-Hand Salary Breakdown

Inspect your monthly take-home amount along with a complete breakdown of PF, Tax, and deductions.

Questions About Salary Calculator

Everything you need to know about our free in-browser Salary Calculator.

This estimate follows standard Indian payroll standards and the New Tax Regime. Actual figures may vary slightly based on specific company allowances and investment declarations.