Convert your CTC to actual take-home salary. See complete breakdown of all deductions and net pay.
Enter CTC Details
Your total Cost to Company per year
Basic salary component percentage
For Professional Tax calculation
Salary Breakdown
Annual CTC
₹12,00,000
↓
Annual In-Hand
₹9,50,000
Monthly: ₹79,167
Earnings (Annual)
Basic Salary₹6,00,000
HRA₹3,00,000
Special Allowance₹1,92,000
Gross Salary₹10,92,000
Deductions (Annual)
Employee PF (12%)- ₹72,000
ESI (0.75%)- ₹0
Professional Tax- ₹2,500
TDS (Income Tax)- ₹67,500
Total Deductions- ₹1,42,000
Employer Contributions (Not in Hand)
Employer PF (12%)₹72,000
Employer ESI (3.25%)₹0
Gratuity (4.81%)₹36,000
Understanding CTC vs In-Hand Salary
CTC (Cost to Company) is the total amount a company spends on an employee, including salary, benefits, and employer contributions. In-Hand Salary (Take-Home Pay) is what you actually receive after all deductions.
Typical CTC Breakup
Basic Salary: 40-50% of CTC (PF calculated on this)
HRA: 40-50% of Basic (for rent exemption)
Special Allowance: Remaining taxable amount
Employer PF: 12% of Basic (not in your hand)
Gratuity: 4.81% of Basic (paid after 5 years)
Common Deductions from Salary
Employee PF: 12% of Basic (max ₹1,800/month if Basic ≤ ₹15,000)
ESI: 0.75% of Gross (only if Gross ≤ ₹21,000/month)
Professional Tax: ₹200/month (varies by state, max ₹2,500/year)
TDS: Based on tax slab and declarations
Why is In-Hand Lower than CTC?
Your CTC includes employer contributions (PF, ESI, Gratuity) that you don't receive directly. Additionally, employee deductions (PF, ESI, PT, TDS) are subtracted from your gross salary. The remaining amount is your in-hand salary.