In-Hand Salary Calculator

Estimate your actual monthly take-home pay from your CTC offer.

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Based on standard assumptions: 50% basic salary, 12% PF on both sides, and a flat professional tax — your actual payslip structure may differ.

Monthly In-Hand

₹87,800

Basic Salary (Annual)

₹6,00,000

Employee PF Contribution

₹72,000

Income Tax

₹0

Professional Tax

₹2,400

What is an In-Hand Salary Calculator?

Your CTC (Cost to Company) is not what lands in your bank account — it includes components like the employer's PF contribution that never reach you as cash. This calculator estimates your real monthly take-home pay after PF, professional tax, and income tax.

This is especially useful when comparing job offers, since two offers with the same CTC can result in meaningfully different take-home pay depending on their salary structure.

Why CTC Isn't Your Take-Home

  • ✓Employer's PF contribution is part of your CTC but never reaches your bank account.
  • ✓Employee PF, professional tax, and income tax are all deducted before you're paid.
  • ✓The exact numbers vary by company — this is a standard-assumption estimate.

Frequently Asked Questions

Why is my in-hand salary so much lower than my CTC?+

CTC includes employer PF contributions, gratuity provisions, and other components that don't reach your bank account each month, plus deductions like employee PF and income tax.

Does this account for the Old Tax Regime?+

No, this uses the New Tax Regime for the income tax component, since it's now the default for most taxpayers.

Can two people with the same CTC have different in-hand pay?+

Yes — CTC structure (basic percentage, allowances, bonus components) varies by company, so identical CTCs can result in different take-home amounts.