CTC to In-Hand Salary
Estimate your monthly in-hand salary from your annual CTC with a breakdown of standard deductions.
Enter your annual CTC in rupees (e.g. 800000 for 8 LPA)
This is an estimate based on standard deductions. Actual in-hand salary may vary based on your tax regime, investments, and company policies.
Enter your CTC to estimate monthly in-hand salary
How it works
CTC (Cost to Company) includes everything your employer spends on you — basic pay, HRA, PF contributions, insurance, and other benefits. Your in-hand salary is what you actually receive after deductions. This tool provides an estimate based on standard Indian salary structures.
Formula
Basic Pay = CTC × 40%
HRA = Basic × 50%
Employer PF = min(Basic × 12%, ₹21,600)
In-Hand = CTC − Employer PF − Employee PF − Professional Tax − Income Tax