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In-hand Salary Calculator
FinanceCalculate your monthly take-home salary from annual CTC. Understand your deductions for PF, bonus, and other components to know your actual in-hand salary.
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Enter CTC details to calculate in-hand salary.
Understanding CTC vs In-hand Salary
CTC (Cost to Company) is the total expense a company incurs for an employee, including benefits and contributions. In-hand salary is the actual amount you receive after deductions like PF, taxes, and other components.
Common Salary Components
Basic Salary
Core fixed component, usually 40-50% of CTC. PF is calculated on this.
PF (Provident Fund)
Retirement savings. Employee contributes 12% of basic; employer matches.
HRA (House Rent Allowance)
Tax-exempt benefit for employees living in rented accommodation.
Variable/Bonus
Performance-linked pay, often paid annually or quarterly.
How to Use
- 1Enter your Annual CTC (Cost to Company).
- 2Set your Employee PF contribution (percentage or flat amount).
- 3Input your Annual Bonus amount.
- 4Add any Other Monthly Deductions.
- 5View your estimated monthly in-hand salary.
Best For
- Understanding actual salary from job offers.
- Budgeting and financial planning.
- Comparing salary packages across companies.