CTC to In-Hand Salary Calculator 2026 — Free Breakup Tool
Key Takeaways
Convert CTC to in-hand salary with complete breakup. Our calculator shows basic, HRA, PF, tax deductions, and actual take-home pay. Supports both old and new tax regime. Free, no signup.
Quick Answer
Find your in-hand salary from CTC:
- Visit tohundguide.com/tools/ctc-salary-calculator
- Enter your CTC (annual or monthly)
- Get complete salary breakup with take-home pay
What is CTC vs In-Hand Salary?
CTC (Cost to Company) is the total amount your employer spends on you. In-hand salary is what actually lands in your bank account. The difference is due to:
- Employee PF contribution (12% of basic)
- Professional Tax (₹200/month in most states)
- Income Tax (TDS) — based on your tax regime
- Insurance premiums deducted from salary
Typical CTC Breakup
| Component | % of CTC | Taxable? |
|---|---|---|
| Basic Salary | 40-50% | ✅ Yes |
| HRA | 20-25% | Partially exempt |
| Special Allowance | 15-25% | ✅ Yes |
| Employer PF | 12% of Basic | ❌ No |
| Gratuity | 4.81% of Basic | ❌ No |
| Medical Insurance | Variable | ❌ No |
CTC to In-Hand Quick Estimate
| Annual CTC | Approximate In-Hand (Monthly) | Tax Regime |
|---|---|---|
| ₹5,00,000 | ₹35,000 - ₹38,000 | Either |
| ₹10,00,000 | ₹62,000 - ₹68,000 | New regime better |
| ₹15,00,000 | ₹85,000 - ₹95,000 | Depends on deductions |
| ₹20,00,000 | ₹1,05,000 - ₹1,20,000 | Old regime if heavy deductions |
| ₹30,00,000 | ₹1,50,000 - ₹1,70,000 | Depends on deductions |
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What Our Calculator Does
- ✅ Complete salary breakup — basic, HRA, PF, gratuity, special allowance
- ✅ Tax calculation — under both old and new regime
- ✅ Take-home salary — after all deductions
- ✅ Employer vs employee cost comparison
- ✅ Monthly and annual views
- ✅ CTC structure optimizer — for HR/employers
Frequently Asked Questions
How is in-hand salary calculated from CTC?
In-hand salary = CTC - Employer PF - Gratuity - Employee PF - Professional Tax - Income Tax (TDS). Our calculator does this computation automatically based on your CTC.
Why is my in-hand salary much less than CTC?
Because CTC includes employer contributions (PF, insurance, gratuity) that never reach your bank account, plus mandatory deductions like employee PF and income tax.
What percentage of CTC is in-hand salary?
Typically 65-75% of CTC for income up to ₹10 lakhs (new regime), dropping to 55-65% for higher CTCs due to progressive tax rates.
Try It Now
Try Our Free Bank Statement Converter
Convert any bank statement PDF to a clean, formatted Excel file in seconds. Supports HDFC, SBI, ICICI, JK Bank, and 10+ Indian banks. No signup needed!
Convert Your Statement Now →🔒Your information is secure and will never be shared.
Frequently Asked Questions
How do I calculate in-hand salary from CTC?
Visit tohundguide.com/tools/ctc-salary-calculator and enter your CTC. The calculator deducts employer PF, gratuity, employee PF, professional tax, and income tax to show your actual take-home salary.
What percentage of CTC is take-home salary?
Typically 65-75% of CTC is take-home for income up to ₹10 lakhs under new regime. For higher CTCs, it drops to 55-65% due to progressive tax rates.
Is CTC and salary the same?
No. CTC (Cost to Company) includes all benefits like employer PF, insurance, gratuity. Salary or in-hand pay is what you actually receive in your bank account after all deductions.
Disclaimer
This article is for educational purposes only and does not constitute professional legal, tax, or financial advice. The information provided is based on public sources and may change over time. We are not responsible for any actions taken based on this content. Please consult a qualified professional for specific advice related to your situation.
Salary structure and PF rates verified for FY 2025-26. Last updated March 2026.