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Salary Calculator
Convert your CTC (Cost to Company) into monthly in-hand salary with a detailed breakup
CTC to In-Hand Calculator
India • Full Breakup • State-wise PT • Tax Estimate
Enter Details
40%
₹ 4,80,000
50%
₹ 2,40,000
How CTC is Structured
CTC includes employer contributions (PF, Gratuity, Insurance) that you don't directly receive. Your Gross Salary = Basic + HRA + Allowances. In-Hand = Gross − Employee PF − Professional Tax − Income Tax.
| Component | Description |
|---|---|
| Basic | Core salary, fully taxable. 35-50% of CTC typical. |
| HRA | House Rent Allowance. Partially tax-free (based on rent). |
| Conveyance | ₹1,600/mo tax-free. |
| Medical | ₹1,250/mo tax-free. |
| Special Allowance | Balancing figure. Fully taxable. |
| Employer PF | 12% of Basic — goes to EPF (not in hand). |
| Gratuity | 4.81% of Basic — paid after 5 yrs (not in hand). |
This is an estimate. Actual salary structure and deductions vary by company and state.
Take-Home Summary
Monthly In-Hand
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Annual: —
Gross Salary
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Total Deductions
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