How to use the Salary Calculator India (CTC to In-Hand)
Fill in the fields on the left. Results, charts and the breakdown update instantly as you type or move a slider. Pick your country at the top of the page to switch currency.
Formula
Gross salary = CTC − employer PF − gratuity
In-hand = Gross − employee PF − professional tax − income tax
PF = 12% of basic (capped at ₹15,000 basic by many employers)
Gratuity = 4.81% of basic
Frequently asked questions
Why is my in-hand so much lower than CTC?
CTC includes employer PF, gratuity and sometimes insurance or bonuses that are not paid monthly. Tax and your own PF are then deducted from gross pay.
What is professional tax?
A state tax on employment, up to ₹2,500 a year. Some states, like Delhi and Haryana, do not charge it.
Results are estimates for information only and are not financial, tax or legal advice. Tax rules, interest rates and fees change, so confirm important numbers with your bank, employer or a qualified adviser. Read our disclaimer.