From CTC to In-Hand Salary
Your Cost to Company (CTC) is rarely what lands in your bank account. CTC includes employer contributions like the employer PF share and gratuity provisions, which are not part of your take-home pay. This calculator estimates your monthly in-hand salary by stripping these out.
The main deductions from your gross salary are your own PF contribution (12% of basic), professional tax (which varies by state), and income tax. The result is an approximate in-hand figure before income tax is applied.
Frequently Asked Questions
Why is my in-hand salary lower than my CTC?
CTC includes employer contributions (employer PF, gratuity) and your own deductions (PF, professional tax, income tax) that reduce the amount actually credited to you.
What is professional tax?
Professional tax is a small state-level tax on salaried income, capped at ₹2,500 per year. The amount varies by state.