CTC to In-Hand Salary Calculator — Know Your Take-Home Pay
Calculate your actual in-hand salary from CTC. Understand deductions like PF EPF professional tax TDS and gratuity with our free salary breakdown calculator.
Your Cost to Company (CTC) and your actual in-hand salary are very different numbers and the gap often surprises new employees. CTC includes components like employer PF contribution gratuity insurance and other benefits that you never see in your bank account. Typically your in-hand salary is 65-75% of your CTC depending on your tax slab and deductions. Understanding this breakdown is essential during salary negotiations and financial planning.
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Key Information
| Parameter | Details |
|---|---|
| Typical In-Hand Percentage | 65% - 75% of CTC |
| Employee PF Deduction | 12% of Basic (up to Rs 15000) |
| Employer PF Contribution | 12% of Basic (up to Rs 15000) |
| Professional Tax | Rs 200/month (varies by state) |
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Use Calculator NowFrequently Asked Questions
What is the in-hand salary for 10 LPA CTC?
For a CTC of Rs 10 lakh per annum the typical monthly in-hand salary ranges from Rs 55000 to Rs 65000 depending on the salary structure and your tax regime choice. Major deductions include employee PF of Rs 1800 professional tax of Rs 200 and income tax TDS which varies based on your declared investments and regime.
What components are included in CTC?
CTC typically includes basic salary (40-50% of CTC) HRA (40-50% of basic) special allowance employer PF contribution (12% of basic) gratuity (4.81% of basic) medical insurance premium and sometimes performance bonus. Only basic HRA special allowance and sometimes bonus hit your bank account directly.
How to negotiate salary using CTC knowledge?
During negotiations ask for the complete salary breakup not just the CTC number. Focus on the in-hand component and fixed pay rather than variable bonuses. Compare offers by calculating the actual monthly credit to your bank account. A Rs 12 LPA CTC with 85% fixed pay is often better than Rs 14 LPA with only 60% fixed.
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Last updated: 24 March 2026