Turn your CTC into your real monthly take-home pay. See a full breakdown of basic pay, allowances, PF, professional tax, and all deductions.
CTC includes costs that never reach your bank account, like the employer's PF share and gratuity. These are removed first to get your gross salary.
Your own deductions are then subtracted — your PF, professional tax, and income tax.
What is left is your monthly in-hand salary.
Gross salary: CTC − employer PF − gratuity
Net (in-hand): Gross − employee PF − professional tax − income tax
Employee PF: 12% of basic pay (subject to statutory limits)
Why is my in-hand salary so much lower than my CTC?
CTC is the total cost to your company, and it includes things that never reach you — like the employer's PF share, gratuity, and sometimes insurance. On top of that, your own PF, professional tax, and income tax are also taken out.
What is professional tax?
A small tax on your salary charged by your state government. It is different in each state and is capped at ₹2,500 per year. Some states do not charge it at all.
Is this exact?
No, this is only an estimate. Every company sets up CTC differently, and allowances and extra pay can vary a lot. Check your own offer letter or payslip for the exact numbers.