Salary Calculator - CTC to In-Hand Salary Breakdown
Calculate your in-hand salary from CTC. Get detailed breakdown of basic, HRA, PF, and other components from your Cost to Company.
Calculate Salary
Your annual Cost to Company
Monthly In-Hand (Approx)
₹10,95,312
Basic Salary (Annual)
₹4,80,000
HRA (Annual)
₹2,40,000
PF Contribution (Annual)
₹21,600
Special Allowance (Annual)
₹3,87,312
Formula & Explanation
In-Hand = CTC - PF - Gratuity - Professional Tax - Income TaxCTC includes all components: Basic (40% of CTC), HRA (50% of Basic), PF (12% of Basic, max ₹21,600/year), Gratuity (4.81% of Basic), and Special Allowance (remaining amount).
Calculation Examples
₹12 LPA CTC
Annual CTC of ₹12 Lakhs
In-Hand: ~₹85,000/month | Basic: ₹4.8L | PF: ₹21,600
Benefits
- Understand salary structure
- Negotiate better
- Plan finances
- Compare offers
Use Cases
- Job offer comparison
- Salary negotiation
- Tax planning
- Budget planning
About Salary Calculator
Our Salary Calculator converts your CTC (Cost to Company) into actual in-hand salary. Understand the breakdown of basic salary, HRA, PF contribution, gratuity, and other allowances to know exactly what you'll receive each month.
Frequently Asked Questions
CTC includes all costs the employer bears (basic, HRA, PF, gratuity, insurance, etc.). In-hand salary is what you actually receive after deductions like PF, professional tax, and income tax.
Basic salary is typically 40-50% of CTC. It forms the base for calculating other components like HRA, PF, and gratuity.