Salary Calculator (CTC to In-Hand)

CTC Breakdown — Where Your Salary Goes

This is why in-hand salary is typically 70-85% of CTC — the gap is PF (both sides), gratuity, and income tax.

How This Calculator Works

1. Basic Salary = CTC × Basic % (you set this — most companies use 35-50%).
2. Employer PF = 12% of Basic, and Gratuity = 4.81% of Basic — both are part of CTC but never reach your bank account.
3. Gross Salary = CTC − Employer PF − Gratuity.
4. Taxable Income = Gross Salary − Standard Deduction (₹75,000 New / ₹50,000 Old) − other deductions (Old Regime).
5. Income Tax computed using FY 2026-27 slab rates for your chosen regime.
6. In-Hand Salary = Gross Salary − Employee PF (12% of Basic) − Professional Tax − Income Tax.

📢 Things That Affect Your Actual In-Hand Salary

• ESIC: If your gross salary is under ₹21,000/month, an additional 0.75% employee ESIC contribution may apply.
• Professional Tax: Varies by state — up to ₹2,500/year in states like Maharashtra, Karnataka, West Bengal; nil in states like Delhi, Haryana, UP.
• Variable pay / bonus: Often shown as part of CTC but paid only on performance criteria — not guaranteed monthly income.
• PF wage ceiling: Statutorily, PF is mandatory on Basic+DA up to ₹15,000/month, though most companies apply 12% on full Basic voluntarily — check your company's specific policy.