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CTC to In-Hand Salary Calculator — Know Your Real Take-Home Pay

Understand why your take-home salary is lower than your annual CTC offer letter. Breakdown Employer PF, Gratuity, and TDS.

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Interactive Inputs
₹
₹3,00,000₹15 Lakh₹1,00,00,000
%
0%40%
%
35%55%

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Monthly Take-Home In-Hand
₹1,00,308
Excluding ₹1,50,000 annual variable bonus
Annual Fixed In-Hand₹12,03,696
Annual Variable / Bonus₹1,50,000Disbursed yearly / quarterly
Total Retirals (EPF + Gratuity)₹1,26,075
Effective Monthly In-Hand Ratio80.2% of CTC/12

Total Package Breakdown

Total CTC₹15,00,000
Monthly Bank In-Hand:₹12,03,696 (73.0%)
Annual Variable Bonus:₹1,50,000 (9.1%)
Total PF & Retirals:₹1,26,075 (7.6%)
TDS Tax & PT:₹1,70,233 (10.3%)
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Practical Scenario

Example: ₹15 Lakh CTC Offer to Take-Home Pay

Transitioning a ₹15,00,000 CTC package into real monthly bank credit with 50% Basic salary.

Input Parameters
  • Annual CTC Offered:₹15,00,000
  • Basic Pay Ratio:50% (₹62,500 / mo)
  • PF Deduction Mode:12% of Actual Basic
Calculated Results
  • Monthly Gross Pay:₹1,14,500 / month
  • Monthly EPF, PT & TDS:₹19,200 / month
  • Net In-Hand Bank Credit:₹95,300 / month (76.2% of CTC)

Key Takeaway: Your monthly in-hand is ~₹95,300 instead of ₹1.25 Lakh (CTC/12) due to retiral provisions and tax deductions.

How This Calculation Works (Mathematical Formula)

CTC = Gross Salary + Employer PF + Gratuity + Non-cash Benefits

Shows exact gap between Cost to Company (CTC), Gross Pay, and Net In-Hand Bank Credit.

Frequently Asked Questions

CTC includes company contributions that you don't receive directly in cash (Employer PF, Gratuity provision, insurance, performance bonuses) along with statutory employee deductions.

Popular In-Hand Salary CTCs

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Helpful Guides & Explanations

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Tax on ₹10 Lakh Salary: Complete New vs Old Regime Calculation
For a salaried employee earning ₹10 Lakh CTC in AY 2026-27, New Regime tax is ₹0 due to the enhanced ₹12 Lakh Section 87A rebate.
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How EPF Affects Your Salary: Employee & Employer Contributions Explained
Under the Employees' Provident Funds Act, 12% of your Basic + DA is deducted as Employee PF and matched by the employer.
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