CTC → In-Hand Salary Breakdown
Turn an annual CTC figure into what actually lands in your bank account — employer PF, gratuity, gross salary, employee PF, professional tax and income tax, every step shown.
Rates shown are for FY 2025-26 — confirm current PF, gratuity and tax rules before relying on this. This is a calculator, not tax or payroll advice.
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| Line item | Amount |
|---|---|
| Annual CTC | {{ fmt(result.ctc) }} |
| − Employer PF contribution | {{ fmt(result.employerPf) }} |
| − Gratuity accrual | {{ fmt(result.gratuity) }} |
| = Gross Annual Salary | {{ fmt(result.grossAnnual) }} |
| Basic | {{ fmt(result.basic) }} |
| HRA | {{ fmt(result.hra) }} |
| Special allowance | {{ fmt(result.specialAllowance) }} |
| Gross Annual Salary | {{ fmt(result.grossAnnual) }} |
| − Employee PF contribution | {{ fmt(result.employeePf) }} |
| − Professional tax ({{ result.ptLabel }}, annual) | {{ fmt(result.ptAnnual) }} |
| − Income tax ({{ regimeLabel }}, annual) | {{ fmt(result.incomeTax) }} |
| Net Annual Take-Home | {{ fmt(result.netAnnual) }} |
| Net Monthly Take-Home | {{ fmt(result.netMonthly) }} |
Enter your annual CTC above to see the full breakdown.
Every calculation runs in your browser. Nothing you enter is uploaded to a server.
Why Basic can't just be "40% of CTC" on its own
Basic is defined as a percentage of CTC, but employer PF and gratuity — both employer costs bundled inside CTC — are themselves a percentage of Basic. CTC = Gross + Employer PF + Gratuity, so Basic is solved algebraically from that one equation rather than assumed, or the breakdown below would not add back up to the CTC you typed in exactly.
Employer PF is mandatory only on Basic+DA up to the statutory wage ceiling (₹15,000/month) unless the employer explicitly opts to contribute on the full Basic — this tool never assumes that silently.
Professional tax is state-specific — and sometimes zero
Professional tax is set per state, and several states levy none at all. Rather than guess, pick your state if it's listed, or leave it on "Other / not sure", which deducts ₹0 and says so rather than pretending completeness this tool doesn't have.
Frequently asked questions
Why is my in-hand salary so much lower than my CTC?
CTC bundles costs that never reach your bank account at all — employer PF and gratuity accrual are employer costs, not pay. From what is left (Gross), your own PF contribution, professional tax and income tax are then deducted. This tool shows every one of those lines rather than a single unexplained gap.
Why does changing the Basic % change so much else?
Employer PF, gratuity, employee PF and HRA are all calculated as a percentage of Basic, and Basic itself is defined as a percentage of CTC — so raising Basic raises PF and gratuity too, which is exactly why this tool solves for Basic algebraically rather than letting the two drift out of sync.
What does "PF capped at wage ceiling" mean?
Provident Fund contributions are only mandatory on Basic+DA up to ₹15,000/month. Above that, PF on the full Basic is voluntary on the employer's part — this tool defaults to the mandatory-only calculation and only assumes the fuller contribution if you explicitly select it.
My state's professional tax isn't listed — what happens?
It defaults to "Other / not sure", which deducts ₹0 and says so. Professional tax is set per state and several states have none at all — this tool would rather show an honest ₹0 than a guessed number.
Is this exactly what my payslip will show?
Treat it as a close estimate, not a guarantee — actual payslips vary by employer policy (bonus structure, other allowances, exact PF rules) and this tool computes income tax on gross salary alone, without deduction inputs of its own. Use the Tax Regime Comparison tool alongside this one for a deduction-aware tax figure.