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CTC to In-Hand Salary Calculator India
Estimate how much salary lands in your bank account every month after PF, professional tax, income tax, and other deductions.
Variable pay is treated as an annual payout here, not as a monthly amount. The calculator also estimates how much of your total annual tax burden is attributable to that variable component.
Inputs
Enter your salary details
Use your offer letter or salary structure if available. The estimate updates instantly as you adjust PF, tax regime, and deductions.
When enabled, variable pay becomes the remaining CTC after fixed salary percentage.
New regime estimates use the standard deduction only. Old regime estimates also apply the 80C, HRA, home loan interest, carried-forward loss set-off, and other old-regime deduction values you enter.
Estimated monthly in-hand salary
₹81,160
This monthly figure excludes annual variable pay from the monthly payout and treats it as a separate annual component.
Variable pay at 100% payout
₹1,20,000
Estimated tax on variable pay
₹0
Final variable amount after tax
₹1,20,000
Annual gross salary
₹11,48,160
Annual fixed salary
₹10,80,000
Annual fixed gross salary
₹10,28,160
Monthly gross salary
₹85,680
Employee PF deduction
₹51,840
Employer PF deduction
₹51,840
Professional tax
₹2,400
Estimated annual income tax
₹0
Old regime deductions used
₹0
Estimated tax attributable to variable pay
₹0
Estimated monthly tax
₹0
Other deductions
₹0
Final monthly take-home
₹81,160
Common Scenarios
Examples people commonly ask
What is the in-hand salary for ₹10 LPA?
Use the calculator above to model your salary structure with PF, tax regime, and deductions instead of relying on rough rules of thumb.
What is the in-hand salary for ₹15 LPA?
Use the calculator above to model your salary structure with PF, tax regime, and deductions instead of relying on rough rules of thumb.
What is the in-hand salary for ₹20 LPA?
Use the calculator above to model your salary structure with PF, tax regime, and deductions instead of relying on rough rules of thumb.
Why CTC and in-hand salary are different?
Use the calculator above to model your salary structure with PF, tax regime, and deductions instead of relying on rough rules of thumb.
Reference
Frequently asked questions
What is CTC?
CTC means cost to company, which is the total annual amount an employer spends on your compensation package. It can include fixed pay, variable pay, employer PF, and other benefits.
Why is in-hand salary lower than CTC?
Your in-hand salary is lower because taxes, PF contributions, professional tax, and other deductions reduce what reaches your bank account.
Is employer PF part of CTC?
In many salary structures, yes. Employer PF is often shown as part of total CTC even though it is not part of monthly take-home pay.
Does this calculator include income tax?
Yes. The estimate includes a simplified annual income tax calculation based on the selected tax regime.
Is this calculator accurate?
It is directionally useful but simplified. Final payroll figures depend on actual salary structure, exemptions, allowances, payroll policies, and changing tax rules.
Which tax regime is better?
That depends on your deductions, exemptions, and salary structure. The new regime often suits employees with lower deductions, while the old regime may help when eligible deductions are significant.
Methodology
What this calculator includes in the estimate
The estimate starts from annual CTC and then works toward monthly take-home using the inputs you provide for tax regime, PF contribution style, professional tax, and deductions. It treats variable pay as an annual component rather than inflating the monthly in-hand figure with money that may only be paid once or under conditions.
This approach is useful because many offer letters headline a large CTC while the real monthly salary depends on what is fixed, what is deferred, and what gets deducted before money reaches your account. The goal is to show a realistic range for comparison, not a payroll-slip-perfect result.
Results can differ from actual payroll if your employer uses special allowances, location-specific deductions, different PF treatment, or a tax setup not captured by the simplified inputs here.
Best For
When to trust this page most
- Shortlisting offers with similar CTC but different pay structure.
- Checking how much variable pay changes monthly cash flow.
- Explaining why the bank-credit number is much lower than headline CTC.
- Sanity-checking appraisal expectations before compensation discussions.
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