Free online calculator · India
CTC to In-Hand Salary Calculator
See how your annual CTC converts to monthly take-home pay after PF, gratuity and deductions.
Calculate your in-hand salary
How CTC breaks down
In-hand = (CTC − employer/employee PF − gratuity provision − other deductions) ÷ 12 − professional tax − TDS
Example: ₹12 lakh CTC, 40% basic → basic ₹4.8L, employee PF ₹57,600, gratuity provision ₹23,088 → monthly in-hand ≈ ₹91,700 before PT/TDS assumptions.
Frequently asked questions
What is the difference between CTC and in-hand salary?
CTC is the total cost to company including employer contributions and benefits. In-hand is what reaches your account after deductions.
Is gratuity part of CTC?
Often yes, as an accrued provision (about 4.81% of basic). It is payable only after 5 years of continuous service.
Why is my actual in-hand different?
Employers structure salary differently — allowances, variable pay, insurance and perquisites all change the split. Use your salary structure sheet for exact numbers.
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Browse all calculatorsResults are estimates based on entered values and assumptions. They are not professional advice. Verify important decisions with the relevant provider or a qualified professional.