Salary calculator: CTC to in-hand
Turn an offer-letter CTC into the monthly breakup (basic, HRA, allowances, PF and professional tax) entirely in your browser. Comparing a monthly gross instead? Use the take-home calculator.
Your offer
Monthly breakup
Income-tax TDS is not computed here; it depends on your regime choice and declarations. Check current slabs at incometaxindia.gov.in, or use Form 16 data from your employer's payroll.
How the breakup works
CTC (cost to company) is everything your employment costs the employer, not what lands in your account. The path from one to the other: employer-side costs (their PF contribution, gratuity accrual, any insurance) come off first to give your gross salary; the gross splits into components (basic, HRA, special allowance); then employee-side deductions; your PF contribution (12% of basic, commonly on the ₹15,000 ceiling) and professional tax (state-specific, constitutionally capped at ₹2,500 a year), leave the in-hand figure. Income tax then applies on top per your regime and declarations, which is why this tool leaves TDS as an explicit gap rather than guessing your slabs.
The percentages are conventions, not law. Offers differ, which is why both are editable above. One structural note worth knowing: the Code on Wages' definition of wages effectively expects basic plus dearness allowance to be at least half of total remuneration for computation purposes, so very low-basic structures are increasingly rare in compliant offers.
A worked example
On a ₹6,00,000 CTC with 40% basic: basic is ₹20,000 a month, HRA at 50% of basic is ₹10,000. Employer PF (12% on the ₹15,000 ceiling) is ₹1,800 a month and sits inside the CTC, so monthly gross is ₹50,000 − ₹1,800 = ₹48,200, with special allowance absorbing the ₹18,200 balance. Your own PF deduction mirrors the ₹1,800; professional tax (say ₹200 in Karnataka or Maharashtra) comes off too. In-hand before income tax: ₹46,200. The same arithmetic runs live in the calculator above; change any assumption and watch which line moves.
Illustrative; your offer's components, state and declarations will differ.
Running payroll for a team? This breakup is what PeopleDeck's payroll engine computes on every payslip automatically: structures declared once, PF, ESI, PT and TDS applied, workings printed.
Frequently asked questions
What is the difference between CTC, gross and in-hand salary?
CTC is everything your employment costs the employer, including their PF contribution and other benefits. Gross is what remains after employer-side costs: the top line of your payslip. In-hand is gross minus your own deductions: PF, professional tax and income-tax TDS. The three can differ substantially, which is why offer letters and payslips feel like different documents.
Why doesn't this calculator compute income tax?
Because your TDS depends on regime choice, declarations and other income — computing it from salary alone would be a guess dressed as a number. The calculator shows in-hand before income tax and links to the official source for current slabs; your employer's payroll projects the real figure from your declarations.
Is the 40% basic assumption a rule?
No; it is a common convention, which is why the field is editable. Note that the Code on Wages' definition of wages effectively pushes basic plus DA toward at least half of remuneration for computation purposes, so very low-basic structures are increasingly rare.
Why is professional tax an editable field?
Because it is state-specific: Karnataka and Maharashtra commonly deduct around ₹200 a month by slab, Tamil Nadu assesses half-yearly, Kerala routes through local bodies, and Delhi, Haryana, UP and Rajasthan levy none. The constitutional cap is ₹2,500 a year. Enter your state's actual figure.
Does my data leave this page?
No: the calculator runs entirely in your browser. Nothing you type is sent, stored or seen by anyone.
This math, on every payslip, automatically.
PeopleDeck applies it per employee, per month, with the working printed.
Start free