CTC to In-Hand Calculator
Convert your CTC to in-hand salary. See exactly how much money will be credited to your account every month.
Enter Your CTC
₹15.00 L
₹1 Lakh₹1 Crore
Annual CTC
₹15.00 L
Total Deductions
₹1.50 L
Monthly In-Hand
₹1,08,336
In-Hand %
86.7%
Monthly Earnings
Basic Salary₹50,000
HRA₹25,000
Special Allowance₹45,795
Gross Salary₹1,20,795
Monthly Deductions
Employee PF₹1,800
Professional Tax₹200
Income Tax (Est.)₹10,459
Net In-Hand₹1,08,336
Note: Calculations based on new tax regime (FY 2024-25) with standard 40% basic. Actual values may vary based on your company's salary structure and tax deductions.
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Frequently Asked Questions
What percentage of CTC is in-hand salary?
Typically, in-hand salary is 70-85% of CTC depending on your salary structure, tax bracket, and other deductions. Higher CTCs may have a lower in-hand percentage due to higher tax deductions.
What components reduce CTC to in-hand salary?
Main deductions include: Employee PF (12% of basic), Income Tax (TDS based on tax slab), Professional Tax, and any other benefits like meal cards or insurance that are part of CTC but not paid in cash.
How can I increase my in-hand salary?
You can optimize by: choosing lower basic pay (reduces PF deduction), claiming HRA exemption, investing in tax-saving instruments under 80C, and utilizing NPS benefits.