CTC to In-Hand Salary Calculator

    Use this free calculator to convert your Cost to Company (CTC) into monthly in-hand (take-home) salary. It accounts for Provident Fund (PF), Employee State Insurance (ESI), Professional Tax (PT), and estimated TDS deductions applicable across Indian states. Enter your annual CTC and see the breakdown instantly.

    Calculator

    Monthly Gross

    ₹1,00,000

    PF (Employee)

    ₹1,800

    ESI

    ₹0

    Prof. Tax

    ₹200

    Est. TDS

    ₹12,585

    In-Hand/Month

    ₹85,415

    How the Calculation Works

    1. 1Enter your annual CTC (Cost to Company)
    2. 2Basic salary is calculated as 40-50% of CTC
    3. 3PF contribution: 12% of basic (employee + employer)
    4. 4ESI: 0.75% employee + 3.25% employer (if gross ≤ ₹21,000/mo)
    5. 5Professional Tax: ₹200/mo (varies by state)
    6. 6Estimated TDS based on income tax slab
    7. 7In-hand = Gross salary − PF − ESI − PT − TDS

    Frequently Asked Questions

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

    CTC (Cost to Company) includes all employer costs — basic salary, allowances, PF employer contribution, gratuity, insurance. In-hand salary is what you actually receive after deductions.

    How is PF calculated?

    Employee PF contribution is 12% of basic salary. Employer also contributes 12% — of which 8.33% goes to EPS and 3.67% to EPF. Only employee contribution is deducted from salary.

    Is this calculator accurate for all states?

    Professional Tax varies by state (₹0 to ₹300/mo). This calculator uses ₹200/mo as default. Adjust based on your state for exact figures.

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