In-hand salary: the fast answer
One number in (your annual CTC) and the monthly in-hand out, with each deduction itemised. Want the full structural decode? Use the salary calculator. Starting from a payslip's gross? That is the take-home calculator.
Your inputs
Assumptions (edit in the salary calculator for full control): basic 40% of CTC, employer PF inside CTC on the ₹15,000 ceiling, professional tax ₹200/month.
Your monthly money
Why in-hand runs 75–85% of CTC ÷ 12
Two subtractions separate the offer letter's number from your bank credit. First, employer-side costs inside CTC (their PF contribution, gratuity accrual, insurance) never reach gross. Second, your own deductions leave gross: employee PF (₹1,800 for most people on the ceiling), professional tax where your state levies it, and income-tax TDS per your regime. On a conventional 40%-basic structure the arithmetic lands most people at 75–85% of CTC ÷ 12 before tax: the range this calculator makes precise for your number. If a recruiter's 'monthly salary' quote equals CTC ÷ 12 exactly, they are quoting the employer's cost, not your credit.
A worked example
₹9,00,000 CTC: monthly CTC ₹75,000; employer PF ₹1,800 sits aside, leaving gross ₹73,200; your PF ₹1,800 and PT ₹200 deduct to ₹71,200 before tax. Add a new-regime TDS estimate of roughly ₹2,200 (from the TDS calculator) and the realistic in-hand is about ₹69,000 — 92% of gross, 80% of CTC ÷ 12. The gap is not a trick; it is PF savings, a state levy and your own income tax, itemised above.
Illustrative; your structure's actual percentages shift the result; decode them in the salary calculator.
Frequently asked questions
How is this different from the take-home and salary calculators?
By starting point: this is the fast CTC-to-in-hand path on standard assumptions; the salary calculator decodes a full offer structure; the take-home calculator starts from a payslip's monthly gross. Same arithmetic family, three entry doors.
Why is in-hand only 75–85% of CTC ÷ 12?
Employer-side costs inside CTC (their PF, gratuity accrual) never reach gross, and your own PF, professional tax and TDS then leave it. The calculator itemises exactly where your number lands in that range.
What assumptions does the quick estimate make?
Basic at 40% of CTC, employer PF inside CTC on the ₹15,000 ceiling, and ₹200 monthly professional tax. If your structure differs (and offers do) the salary calculator's editable fields give you full control.
Why do I have to supply the TDS figure?
Because honest TDS needs your regime and declarations: the TDS calculator computes it in two clicks, and this tool takes the result rather than guessing your tax.
Does a higher CTC always mean higher in-hand?
Usually but not proportionally, a CTC heavy on variable pay or employer-side items converts worse. Compare offers on computed in-hand, not the headline.
Payslips that show every rupee's path.
PeopleDeck itemises the working on every payslip — per employee, per month.
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