Salary
In-Hand Salary Calculator
Converts a CTC figure into realistic monthly take-home pay after PF, professional tax, and income tax.
Your details
₹
%
Monthly in-hand
₹88,276
Annual in-hand
₹10,59,312
Assuming Basic = 40% of CTC, your monthly in-hand salary is approximately ₹88,276. Actual CTC structures vary by employer — treat this as a close estimate, not a payslip.
Total₹11,19,312
- In-hand₹10,59,312
- PF₹57,600
- Tax + cess₹0
- Professional tax₹2,400
How this is calculated
In-hand = (CTC − Employer PF − Gratuity provision) − Employee PF − Professional Tax − TDS(monthly), where TDS is derived from the Income Tax engine on an annualized basis.
Want to understand this better?
Why Your In-Hand Salary Is Less Than Your CTC
Frequently asked questions
Why is my in-hand salary less than expected?
CTC includes employer PF, gratuity provisioning, and other employer-only costs that never reach your bank account — plus your own PF and tax deductions.
What is the difference between CTC and gross salary?
Gross salary excludes employer-side costs like employer PF and gratuity provision, which CTC includes.
Does variable pay affect take-home?
Yes — this calculator assumes your full CTC is realized; unpaid variable/bonus components will reduce actual take-home below the estimate.
How does professional tax vary by state?
Professional tax is a small state-levied tax — some states (like Delhi) don't levy it at all, others cap it around ₹2,400–2,500/year.