Salary Calculator — CTC to In-Hand

Find out what actually reaches your bank account every month

Annual CTC (Cost to Company)—

Bonus / Variable Pay—

Basic Salary (% of CTC)—

Voluntary PF (VPF)

VPF (% of Basic Salary)—

Assumptions: HRA = 40% of Basic | EPF capped at ₹15,000 basic | New Tax Regime | Professional Tax ₹2,400/yr

VPF is your voluntary extra contribution to PF over the mandatory 12%. It earns the same 8.25% interest and gets 80C tax benefit under old regime.

💰 Your In-Hand

Monthly In-Hand—

Annual In-Hand—

📋 CTC Breakup (Annual)

CTC (Total Package)—

Gross Salary—

↳ Basic Salary—

↳ HRA (40% of Basic)—

↳ Special Allowance—

🏢 Employer Costs (in CTC, not in your salary)

Employer PF (12%, capped ₹15K)—

Gratuity (4.81% of Basic)—

Bonus / Variable Pay—

Total Employer Cost—

📤 Your Deductions (taken from salary)

Employee PF (12%, capped ₹15K)—

Voluntary PF (VPF)—

Professional Tax—

Taxable Income—

Income Tax + 4% Cess—

Effective Tax Rate—

Total Deductions—

📅 Monthly Payslip Breakup

Approximately what your salary slip will show every month

EARNINGS (credited)

Gross Salary—

↳ Basic—

↳ HRA—

↳ Special Allowance—

DEDUCTIONS (taken out)

Employee PF (12%)—

Voluntary PF (VPF)—

Professional Tax—

TDS (Income Tax)—

Total Deductions—

NET PAY (credited to your bank every month) —

💡 Your Total PF Savings (Employee + Employer + VPF)

Monthly PF savings—

Annual PF savings—

This includes your 12% + employer's 12% + your VPF. All earning 8.25% interest (FY 2025-26). Builds your retirement corpus.

Last updated: April 08, 2026

Why Your CTC is Not Your Salary

When a company offers you "₹10 Lakh CTC", you might expect about ₹83,000 per month. The reality? Your actual in-hand salary will be closer to ₹70,000. The remaining goes toward employer PF, gratuity provision, employee PF, professional tax, and income tax.

Quick Reference: CTC to In-Hand

Annual CTC	Monthly In-Hand (approx)	% of CTC
₹5 LPA	₹33,000 - ₹35,000	~80%
₹10 LPA	₹69,000 - ₹72,000	~84%
₹15 LPA	₹1,04,000 - ₹1,08,000	~84%
₹20 LPA	₹1,31,000 - ₹1,35,000	~80%
₹30 LPA	₹1,87,000 - ₹1,92,000	~76%
₹40 LPA	₹2,37,000 - ₹2,42,000	~72%
₹50 LPA	₹2,88,000 - ₹2,95,000	~70%

Approximate. Assumes 40% basic, 10% bonus, new tax regime FY 2025-26.

💡 Negotiation Tip: When comparing job offers, always compare in-hand salary — not CTC. Use this calculator to compare offers side by side.

⚠️ Disclaimer: This calculator provides estimates based on standard salary structures and the new tax regime. Actual salary varies based on company policy. Consult your HR or CA for exact figures.

Also useful: Income Tax Calculator | Gratuity Calculator | HRA Calculator | CTC to In-Hand Guide

Salary Calculator — CTC to In-Hand Take Home Pay