Salary / CTC Calculator: Your Real In-Hand Pay

CTC and take-home are very different numbers. This calculator breaks your package down to monthly in-hand pay.

What is it?

Cost to Company includes basic, allowances, employer PF, and benefits. Your in-hand is what’s left after deductions and tax.

How is it calculated?

In-hand = CTC − employer PF − employee PF − professional tax − income tax, then divided across twelve months.

Example

On a ₹12 lakh CTC, after PF, professional tax and income tax, monthly in-hand often lands around ₹85,000-90,000 depending on structure.

Key things to know

• A higher basic raises PF but can lower take-home now.
• Employer PF is part of CTC, not your in-hand.
• Restructure allowances to optimise tax (old regime).
• Always compare offers on in-hand, not CTC.

What to do next

Compare job offers on in-hand pay, not headline CTC.

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Frequently asked questions

Why is in-hand less than CTC?
CTC includes employer contributions and benefits you don’t receive as cash.

Is a higher basic good?
It boosts retirement savings but trims current take-home.

How is take-home taxed?
Per your chosen regime’s slabs.

Disclaimer: This article is for general information only and is not financial or tax advice. Consult a qualified advisor before making investment or tax decisions.