Salary Calculator – CTC to In-Hand Salary

Cost to Company (CTC) is everything your employer spends on you — but your bank credit is smaller after provident fund, professional tax, income tax and benefits. This calculator breaks CTC down into a realistic monthly in-hand estimate.

The formula

In-hand ≈ CTC − PF − PT − Tax − Benefits

FAQ

Why is in-hand salary less than CTC ÷ 12?

CTC includes employer PF contributions, gratuity, insurance premiums and other benefits that never appear in your monthly credit — those are deducted from the annual figure before dividing.

What percentage of CTC is usually basic?

Most Indian companies set basic at 40–50% of CTC. A higher basic raises your PF contribution but can also raise gratuity and leave encashment later.

Is employer PF part of my salary?

Yes — the employer’s 12% goes into your EPF account, so it is deferred salary, not lost money.

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