💼 CTC to In-Hand Salary

How to Calculate In-Hand Salary from CTC

Enter your annual CTC, bonus component, PF percentage, and professional tax. The calculator breaks down your salary into basic, HRA, allowances, and shows all deductions to give your actual monthly take-home pay.

What is CTC vs In-Hand Salary?

CTC (Cost to Company) includes everything the employer spends — salary, PF, bonus, insurance. In-hand salary is what you actually receive after PF, tax, and other deductions.

Why is in-hand much less than CTC?

CTC includes employer PF contribution, bonus (paid annually), gratuity, and insurance — none of which appear in your monthly paycheck. Plus income tax and employee PF are deducted.