In-Hand Salary Calculator
Convert your annual CTC into a realistic monthly take-home figure. Enter your CTC and structure, and see gross pay, EPF, professional tax, income tax and net in-hand salary — monthly and annually.
How to use the In-Hand Salary Calculator
Enter your annual CTC — the total cost to company shown on your offer letter.
Set the basic % and HRA %, and adjust the monthly professional tax if your state differs from ₹200.
Choose your tax regime and tick EPF if 12% of basic is deducted from your pay.
See your monthly take-home and the full annual breakdown of deductions.
Frequently asked questions
What is in-hand salary?
In-hand, or take-home, salary is the amount credited to your bank account every month after deducting employee EPF, professional tax and income tax (TDS) from your gross salary.
Why is my in-hand salary less than my CTC?
CTC includes the employer's PF contribution, gratuity and other benefits on top of your gross pay, while in-hand salary is what remains after your own EPF, professional tax and income tax are deducted.
Is this in-hand salary estimate accurate?
It is an estimate. Actual figures depend on your employer's salary structure, city-specific professional tax, the exemptions you claim and the tax regime you choose.