CTC to In-Hand Salary Calculator
A CTC figure isn't what lands in your account — see it broken down through employer PF, your own PF contribution, tax, and professional tax down to your real monthly take-home.
Your numbers
₹
% of CTC
Commonly 35–50% of CTC — check your offer letter/payslip for the exact split.
₹/yr
Varies by state — often around ₹2,400/yr, some states charge none.
Result — with the workings shown
Monthly in-hand
₹90,200.00
Annual in-hand
₹10,82,400
vs ₹12,00,000 CTC
Tax (new regime)
₹0
How this is worked out
Of your ₹12,00,000 CTC, ₹57,600 is your employer's PF contribution — part of CTC, but not paid to you. That leaves a gross salary of ₹11,42,400, from which your own PF contribution (₹57,600), tax (₹0, new regime), and professional tax (₹2,400) are deducted — leaving ₹10,82,400/yr, or ₹90,200.00/mo.
This assumes the new tax regime and a simplified CTC structure — real payslips also often include HRA, LTA, bonuses, and insurance provisions that shift the exact number. For the old regime, or to see how deductions like HRA and 80C change your tax specifically, use the full Income Tax Calculator.
Terms used on this page
- CTC
- Cost to Company — everything an employer counts as spending on you, including parts you never see in hand, like their PF contribution.
- Employer PF vs. Employee PF
- Both are usually 12% of basic salary. Employer PF is money your company adds on top (part of CTC, not your take-home); Employee PF is deducted from your own pay before you receive it.
- Professional tax
- A small state-level tax on salaried income, varies by state (some states charge none). Typically a flat amount rather than a percentage.