From CTC to in-hand salary
Enter your yearly CTC to see your monthly take-home pay after PF, professional tax and income tax, with the full salary breakup and where every rupee of your CTC goes.
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- Worked out in your browser
- Excel download
PF, gratuity, professional tax and income tax · Excel
How to use the Salary Calculator (CTC to In-hand)
- Enter your CTCType your yearly cost to company and any variable pay or bonus included in it.
- Set the structureAdjust basic pay as a share of CTC, your city for HRA, how PF is worked out and whether gratuity is part of the CTC.
- Pick the tax regimeChoose new or old. For the old regime, add your rent and other deductions.
- Read and downloadSee the monthly in-hand pay, the breakup table and the tax, then download it as Excel.
Why use this salary calculator (ctc to in-hand)
Your CTC is what the company spends on you in a year, not what reaches your bank account. Employer PF and gratuity are part of the CTC but are not paid out monthly, variable pay depends on performance, and employee PF, professional tax and income tax are deducted from your gross salary.
Salary structures differ from company to company, so use your offer letter’s numbers where you can: basic pay, PF method and whether gratuity is included. For tax, the new regime is the default; the old regime may suit you if your HRA and other deductions are large.
- Real salary partsBasic, HRA, special allowance, employee and employer PF, gratuity and professional tax.
- PF both ways12% of full basic, or 12% of the ₹15,000 wage ceiling, or no PF.
- Income tax built inNew or old regime for 2026-27, with HRA exemption and 80C for the old regime.
- Where your CTC goesA colour bar shows in-hand pay, tax, PF, gratuity and variable pay.
- Excel breakupMonthly and yearly figures plus the tax working.
Questions people ask
How much is in-hand salary from CTC?
It depends on the structure, but in-hand pay is usually well below CTC divided by 12, because employer PF, gratuity, variable pay, employee PF, professional tax and income tax come out of it. Enter your CTC to see your figure.
How is PF worked out?
Employee and employer each contribute 12% of basic pay. Many employers cap it at 12% of ₹15,000 a month, which is ₹1,800 each. Your offer letter says which applies.
What is gratuity in CTC?
Some companies include gratuity, commonly worked out as 4.81% of basic pay, in the CTC. It is paid when you leave after the eligible service, not every month.
How much is professional tax?
It is set by each state, up to ₹2,500 a year, and some states do not charge it. Enter your state’s amount in the settings.
Is variable pay included in the monthly salary?
No. Variable pay or bonus is usually paid separately, so the calculator leaves it out of the monthly in-hand pay but includes it in the yearly take-home and tax.
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From the H View blog
H View money tools work out every number in your browser, so nothing you type is sent to H View. They are estimates to help you plan, based on the rules described on this page as of October 2026, and are not tax, legal or financial advice. Check important decisions with a chartered accountant or your bank. Need a custom calculator or a GST billing system for your business? Talk to the H View team.
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