In-Hand Salary Calculator

CTC (Cost To Company) is the total amount your employer spends on you, including components that never reach your bank account (employer PF, gratuity, insurance). In-hand salary is what actually lands every month after employee PF, professional tax and TDS.

Gross annual    = CTC − Employer PF − Gratuity
Taxable income  = Gross − Std. deduction (₹75k) − Employee PF
Income tax      = Tax(Taxable, New Regime) × 1.04   (4% cess)
Annual in-hand  = Gross − Employee PF − Professional tax − Income tax
Monthly         = Annual in-hand / 12

Enter your annual CTC and the basic-salary percentage from your offer letter (typically 40–50%). The calculator estimates monthly in-hand using New Regime tax rules and standard PF / professional tax assumptions. Real numbers vary by company structure, city, and variable pay timing.