CTC to In-Hand Salary Calculator — Take Home Pay Calculator India
Enter your annual CTC to see your monthly take-home salary. Covers PF, HRA, professional tax, income tax breakup for all LPA ranges from 3 to 50 lakh.
CTC to In-Hand Salary Calculator
| Component | Monthly (₹) | Annual (₹) |
|---|---|---|
| CTC | ₹83,333 | ₹10,00,000 |
| Earnings | ||
| Basic Salary (40%) | ₹33,333 | ₹3,99,996 |
| HRA (50% of Basic) | ₹16,667 | ₹2,00,004 |
| Special Allowance | ₹29,930 | ₹3,59,160 |
| Employer Contributions (part of CTC) | ||
| Employer PF (12%) | ₹1,800 | ₹21,600 |
| Gratuity (4.81%) | ₹1,603 | ₹19,236 |
| Gross Salary | ₹79,930 | ₹9,59,160 |
| Deductions | ||
| Employee PF (12%) | −₹1,800 | −₹21,600 |
| Professional Tax | −₹200 | −₹2,400 |
| Income Tax (New Regime) | −₹0 | −₹0 |
| In-Hand Salary | ₹77,930 | ₹9,35,160 |
LPA to Monthly In-Hand — Quick Reference
| Annual CTC | Monthly CTC | In-Hand (Metro) | In-Hand (Non-Metro) |
|---|---|---|---|
| ₹3,00,000 | ₹25,000 | ₹21,919 | ₹21,919 |
| ₹3,50,000 | ₹29,167 | ₹25,606 | ₹25,606 |
| ₹4,00,000 | ₹33,333 | ₹29,292 | ₹29,292 |
| ₹5,00,000 | ₹41,667 | ₹37,065 | ₹37,065 |
| ₹6,00,000 | ₹50,000 | ₹45,238 | ₹45,238 |
| ₹8,00,000 | ₹66,667 | ₹61,584 | ₹61,584 |
| ₹10,00,000 | ₹83,333 | ₹77,930 | ₹77,930 |
| ₹12,00,000 | ₹1,00,000 | ₹94,276 | ₹94,276 |
| ₹15,00,000 | ₹1,25,000 | ₹1,11,326 | ₹1,11,326 |
| ₹20,00,000 | ₹1,66,667 | ₹1,44,668 | ₹1,44,668 |
| ₹25,00,000 | ₹2,08,333 | ₹1,75,493 | ₹1,75,493 |
| ₹50,00,000 | ₹4,16,667 | ₹3,16,263 | ₹3,16,263 |
Calculated with 40% basic, PF capped at ₹15K, new tax regime (FY 2025-26). Actual in-hand varies based on employer structure.
What is CTC?
CTC (Cost to Company) is the total amount an employer spends on an employee per year. It includes your salary, allowances, and employer contributions to PF, gratuity, and insurance. CTC is NOT your take-home salary — the in-hand amount is significantly lower after employer contributions (which are part of CTC but not paid directly to you) and employee deductions (PF, tax, professional tax) are removed.
Typically, in-hand salary ranges from 65% to 80% of CTC depending on the CTC level, tax bracket, and employer's salary structure. For example, a 10 LPA CTC translates to approximately ₹70,000-₹73,000 in-hand per month — not ₹83,333.
CTC Breakup Explained
Basic Salary (40-50% of CTC)
The core salary component. HRA, PF, and gratuity are calculated as percentages of Basic. Higher basic = higher PF contribution but also higher tax-exempt HRA.
HRA (40-50% of Basic)
House Rent Allowance. 50% of Basic for metros (Delhi, Mumbai, Kolkata, Chennai), 40% for non-metros. Partially tax-exempt if you pay rent.
Employer PF (12% of Basic)
Employer's contribution to your PF account. Part of CTC but goes to your PF, not your bank account. Can be capped at ₹15,000 Basic (₹1,800/month).
Special Allowance
Flexible component = CTC minus all other components. Fully taxable. The "balancing figure" in CTC breakup.
Government vs Private Salary
Government employees have a different salary structure — Basic Pay + DA + HRA + TA from the 7th CPC Pay Matrix. There is no "CTC" concept. Use our CPC Salary Calculator for government employee salary. For income tax comparison, use the Income Tax Calculator.
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