In-Hand Salary Calculator
Estimate your monthly take-home pay from CTC after PF and tax.
CTC is not take-home
Cost to Company includes employer PF, gratuity provisions, and benefits you never see in your bank account. In-hand salary is CTC minus employer contributions, employee PF, and income tax.
A simplified model
This tool approximates PF at 12% of basic and applies the cheaper of the two tax regimes. Exact figures depend on your company’s salary structure and declared investments.
Frequently asked questions
Why is my in-hand lower than expected?
Employer PF and gratuity sit inside CTC but never reach your account monthly. Tax and your own PF further reduce take-home.