CTC to In-Hand Salary Calculator India

Get a clear, estimated breakdown of your monthly take-home pay, helping you evaluate job offers with precision

In-Hand Salary Estimator

Enter your total annual CTC.
Commonly 40-50% of CTC.
Commonly 40-50% of Basic Pay, depending on city.
% of CTC
Enter your annual bonus value here.
Often a fixed monthly amount.
Any other fixed monthly allowances (e.g., medical, phone).
Mandatory 12% contribution by employee.
Varies by state (e.g., ₹200 for higher salaries in Karnataka).

Q. What is CTC?
CTC stands for Cost to Company. It is the total cost that a company incurs to retain you, which includes both direct and indirect expenses, such as the cost of laptops, mobiles, and seats.

Q. What is the difference between in-hand salary and CTC?
CTC is the total cost incurred by the company, while in-hand salary is the amount you get every month after all deductions. These two are not the same thing.

Q. What is basic salary?
Basic salary is a fixed and stable part of your monthly income. It can range from 40% to 60% of your CTC and is fully taxable.

Q. What are allowances?
Allowances are additional money that the company gives to the employee for a specific purpose, such as inflation or rent. These vary from company to company.

Q. What is Dearness Allowance (DA)?
It is an allowance given to help cope with inflation and rising living expenses. It was originally introduced in government jobs.

Q. What is House Rent Allowance (HRA)?
HRA is the allowance that the company gives to employees who live in a rented house. Its calculation is based on various factors, such as which city you live in (metro or non-metro).

Q. What is Employee Provident Fund (EPF)?
EPF is a type of retirement fund or workplace piggy bank. In this, your company contributes 12% of your basic salary and you also contribute the same amount. You get this amount when you leave the organization or retire.

Q. What is TDS?
TDS stands for Tax Deduction at Source. It is a tax on income that is deducted at the source itself, that is, it is deducted before you get your salary.

Q. Why is it important to file Income Tax Return (ITR)?
Filing ITR is important as it helps you get a refund for any loss or excess TDS deducted. It is also a valid proof of income for loan, insurance and credit card applications.

Q. Do all companies follow the same salary structure?
No, the salary structure of each company may vary. Allowances and deductions vary from company to company.