In-Hand Salary Calculator
Convert your CTC into the salary you actually receive each month after PF, professional tax and TDS.
Formula last reviewed 4 August 2026 · How we verify our calculators
Monthly take-home
- Annual take-home
- ₹10,53,600
- Your PF deduction (monthly)
- ₹6,000
- Gross salary (monthly)
- ₹94,000
Updates live as you type
Frequently asked questions
In-hand or take-home salary is the amount credited to your account each month after the employer PF is removed from CTC and your PF, professional tax and income tax are deducted from gross.
For most salaried employees, take-home is roughly 70–85% of CTC depending on your basic, PF and tax. Lowering income tax — for example by choosing the right regime — raises your take-home.
It can. A higher basic increases both employer and employee PF, which lowers immediate cash in hand but builds a larger retirement corpus.
No. Professional tax is levied by states and varies; many cap it around ₹2,500 a year. We use a flat monthly default you can edit to match your payslip.
CTC is a number for HR. This is the number for your budget.
When comparing two job offers, CTC isn't actually the figure that matters — it's the cash that lands in your account every month. A ₹12,00,000 CTC with basic set at 50% and the standard ₹200 monthly professional tax breaks down to a monthly basic of ₹50,000, with your own PF deduction coming to ₹6,000 (12% of basic). Strip the employer's PF share out of the monthly CTC first to get gross salary at ₹94,000, then subtract your own PF and professional tax, and you land at a monthly take-home of ₹87,800 — ₹10,53,600 for the year, roughly 88% of the headline CTC.
The mechanics behind why CTC and take-home diverge
Employer PF never touches your account at all — it's money your employer sets aside on your behalf, present in the CTC figure but absent from your payslip. Your own PF deduction, professional tax and any income tax withheld (TDS) come off what's left. If you know your monthly TDS from a payslip, enter it directly; if not, run your numbers through the income tax calculator first and feed that figure back in here for a more accurate result.
Why identical CTCs can pay differently
Adjusting the basic percentage reveals a real trade-off: a higher basic pushes more money into PF — building a larger retirement corpus — at the direct cost of smaller monthly take-home, and a lower basic does the reverse. This is exactly why two offers quoting the same CTC number can differ meaningfully in what actually reaches your account: the basic/HRA split, the employer's PF policy, and which tax regime you fall under all move independently of the headline figure. CTC structuring varies by employer, so treat this as a close estimate rather than a guarantee — its real use is comparing offers on equal footing, planning rent and EMI affordability, and sanity-checking your payslip against what you were promised at hiring.