Your details
About the In-Hand Salary Calculator
Cost to Company is the total an employer spends on you, and a good part of it never touches your bank account. The employer's provident fund contribution, gratuity accrual and often insurance premiums are all inside the CTC number on your offer letter.
This calculator applies the standard Indian salary structure — basic as a percentage of CTC, HRA at 50% or 40% of basic, PF at 12% on both sides — then deducts income tax under the regime you choose, professional tax and your own PF contribution, to arrive at what you will actually be paid.
The formula
Actual structures vary by employer. Ask for the detailed salary annexure before you accept an offer.
Things worth knowing
Frequently asked questions
CTC is everything the employer spends, including their PF contribution, gratuity accrual and insurance. In-hand is what remains after those non-cash components, your own PF, professional tax and income tax are removed — commonly 65–75% of CTC.
Your PF contribution of 12% of basic, professional tax of about ₹200 a month, and income tax as TDS. On an ₹18 lakh CTC in the new regime that is broadly 20–25% of the gross.
No — it is forced saving in your own name, earning the EPF rate tax free, with the employer matching it. It reduces take-home but adds to net worth.
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