Convert your annual CTC (Cost to Company) into your actual monthly take-home salary after PF, professional tax and income tax deductions.
New & OldTax Regime
PF + TaxAuto Deducted
InstantResult
Monthly In-Hand Salary
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Basic Salary—
PF (EPF)—
Income Tax—
Professional Tax—
How is In-Hand Salary Calculated from CTC?
CTC (Cost to Company) includes your basic pay, allowances, employer PF contribution, gratuity and bonus — but your actual take-home salary is lower after statutory deductions.
In-Hand Salary = Gross Salary − Employee PF − Professional Tax − Income Tax
Typical Salary Structure Breakdown
Basic pay is usually 40-50% of CTC. Employee Provident Fund (EPF) is 12% of basic (capped at ₹1,800/month for most cases), gratuity is roughly 4.81% of basic, and professional tax varies by state (commonly ₹200/month, capped at ₹2,400/year).
Note: This is an estimate based on common salary structures. Your actual in-hand salary depends on your specific company's CTC breakup, HRA, special allowances, and applicable state professional tax rules. This tool doesn't constitute financial or tax advice — please verify with your HR/payroll team or a tax professional for exact figures.
In-Hand Salary FAQs
CTC is the total cost your employer bears (including PF, gratuity, bonus), while in-hand salary is what actually reaches your bank account after all deductions.
For a CTC of ₹8,00,000/year under the new tax regime, estimated in-hand salary is roughly ₹60,000–65,000/month, depending on your exact salary structure and bonus component.
The new regime generally works better for those without major deductions (HRA, 80C investments, home loan). The old regime can save more tax if you claim significant deductions. Use both options above to compare.
Professional tax applies in most states (like Maharashtra, Karnataka, West Bengal) but not all — some states/UTs like Delhi and Haryana don't levy it. This calculator uses a standard estimate.
This is a simplified estimate. For old regime users, HRA exemption is included via the standard deduction field — enter your total eligible deductions there for a closer estimate.