How is in-hand salary calculated from CTC?

In-hand salary = Gross Salary minus deductions. Gross = Basic + HRA + Special Allowance. Deductions = Employee PF (12% of Basic) + Professional Tax (approx ₹200/month) + Income Tax (if applicable). For a ₹6 LPA CTC, in-hand is typically ₹43,000–₹46,000 per month.

What is the difference between CTC and in-hand salary?

CTC (Cost to Company) is the total annual expense a company bears for an employee, including employer PF contribution, gratuity, and benefits. In-hand salary is the actual amount credited to your bank account after all deductions like employee PF, Professional Tax, and Income Tax.

What is in-hand salary for ₹10 LPA CTC?

For a ₹10 LPA CTC, typical in-hand salary is approximately ₹70,000–₹75,000 per month depending on HRA city, tax regime, and benefits structure. Use the Salary Calculator to get an accurate estimate.

What percentage of CTC is Basic Salary?

Basic salary is typically 40–50% of CTC. HRA is usually 50% of Basic for metro cities (40% for non-metro). Special Allowance makes up the remainder. EPF is calculated at 12% of Basic salary.

Salary Calculator — Convert CTC to Monthly In-Hand Salary Instantly

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What it does: Free salary calculator that converts annual CTC to monthly in-hand salary — Enter annual CTC, get monthly in-hand salary with Basic, HRA, PF, and tax breakdown instantly.

Annual Salary (₹)

Monthly Salary (₹)

Quick fill:

Optional deductions (only if they apply to you):

EPF (12% of Basic)

Professional Tax (₹200/mo)

Income Tax / TDS

Monthly In-Hand Salary

₹0

Quick Reference

₹3,00,000 / yr₹25,000 / mo

₹4,80,000 / yr₹40,000 / mo

₹6,00,000 / yr₹50,000 / mo

₹8,40,000 / yr₹70,000 / mo

₹10,00,000 / yr₹83,333 / mo

₹12,00,000 / yr₹1,00,000 / mo

How to Use

Enter Annual Salary — monthly fills automatically. Or enter monthly — annual fills automatically.
No deductions by default — if your salary slip shows EPF, PT or TDS, tick those boxes.
See exact monthly in-hand instantly.

FAQs

Many small businesses and startups pay gross salary directly without EPF or PT. In that case, Monthly = Annual ÷ 12. No deductions apply to you — just use the basic calculator above.

EPF (Employee Provident Fund) is a retirement savings deduction — 12% of your Basic Salary is deducted each month and saved. Basic is typically 40–50% of your total salary. Check your salary slip to confirm.

Professional Tax is a state tax (max ₹200/month). It applies in Maharashtra, Karnataka, West Bengal and some other states. Check your salary slip — if it shows "PT" or "Prof. Tax", tick that box.

Salary Calculator — Annual to Monthly

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How to Use

FAQs

My salary slip shows no deductions — why?

What is EPF?

What is Professional Tax?

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