CTC to In-Hand Salary
Break your CTC into Basic, HRA, PF, gratuity, tax and monthly take-home — tuned for Indian salary structures.
Salary structure
₹12.00 L
Basic: ₹4,80,000
HRA: ₹2,40,000
LTA, food, phone, etc.
Tax regime
Monthly in-hand
₹94,276
₹11,31,312 per year
- Basic
- ₹4,80,000
- HRA
- ₹2,40,000
- Special allowance
- ₹4,35,312
- Other allowances
- ₹0
- Gross salary (before tax)
- ₹11,55,312
- Employee PF
- − ₹21,600
- Professional tax
- − ₹2,400
- Income tax
- − ₹0
Employer PF & gratuity are part of CTC but not paid to you. Actual in-hand may vary slightly based on additional deductions like insurance.
Salary breakup
- In-hand
- Employee PF
- Employer PF
- Gratuity
- Professional tax
Total: ₹12.00 L
How the math works
In-hand = CTC − employer PF − gratuity − employee PF − professional tax − income tax
- Basic
- Usually 40–50% of CTC
- HRA
- Usually 50% of Basic (metro) or 40% (non-metro)
- Employer PF
- Min(12% of Basic, ₹21,600) — part of CTC
- Gratuity
- 4.81% of Basic — also part of CTC
- Employee PF
- Same cap as employer PF, deducted from salary
How it works
- 1
Enter your annual CTC as offered in your appointment letter.
- 2
Set the Basic % of CTC and HRA % of Basic — defaults follow typical Indian salary structures.
- 3
Toggle metro city (higher HRA cap) and EPF opt-in.
- 4
CalcPe computes gross, deducts employee PF, professional tax and estimated income tax to produce your monthly in-hand.
A quick walkthrough
Inputs
CTC ₹12,00,000 with 40% Basic, 50% HRA of Basic, metro, EPF on, new regime.
Steps
- Basic = ₹4,80,000 · HRA = ₹2,40,000
- Employer PF ≈ ₹21,600 · gratuity ≈ ₹23,088 (both part of CTC)
- Gross salary ≈ ₹11,55,312 · income tax ≈ ₹0 (falls under ₹12 L rebate)
Result
Monthly in-hand ≈ ₹94,276 · annual ₹11,31,312
Why CalcPe’s CTC to In-Hand Salary Calculator
- Understand what your CTC actually translates into every month.
- Compare offers by in-hand, not just headline CTC.
- See how HRA structure, PF opt-in and city choice change your take-home.
- Toggle between new and old tax regimes to plan smartly.